{"abstract":"The Board and the CFPB (collectively, the Agencies) are amending Regulation CC, which implements the Expedited Funds Availability Act (EFA Act) and the Check Clearing for the 21st Century Act (Check 21 Act), to fulfill a statutory requirement in the EFA Act to adjust the dollar amounts under the EFA Act for inflation.","action":"Final rule.","agencies":[{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2024/05/20/2024-10844.html","cfr_references":[{"chapter":null,"citation_url":null,"part":"229","title":12}],"citation":"89 FR 43737","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"Effective date: This final rule is effective July 1, 2025.","disposition_notes":null,"docket_ids":["Regulation CC","Docket No. R-1832"],"dockets":[],"document_number":"2024-10844","effective_on":"2025-07-01","end_page":43739,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2024/05/20/2024-10844.xml","html_url":"https://www.federalregister.gov/documents/2024/05/20/2024-10844/availability-of-funds-and-collection-of-checks","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2024-10844?publication_date=2024-05-20","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2024-05-20/2024-10844/mods.xml","not_received_for_publication":null,"page_length":3,"page_views":{"count":7547,"last_updated":"2026-08-26 02:15:04 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-05-20/pdf/2024-10844.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-10844.pdf?1715949914","publication_date":"2024-05-20","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2024/05/20/2024-10844.txt","regulation_id_number_info":{},"regulation_id_numbers":[],"regulations_dot_gov_info":{"comments_count":0,"agency_id":"FRS","document_id":"FRS-2024-0134-0001","checked_regulationsdotgov_at":"2024-05-21T11:55:08Z"},"regulations_dot_gov_url":null,"significant":null,"signing_date":null,"start_page":43737,"subtype":null,"title":"Availability of Funds and Collection of Checks","toc_doc":"Availability of Funds and Collection of Checks","toc_subject":null,"topics":["Banks, banking","Reporting and recordkeeping requirements"],"type":"Rule","volume":89}