Regulation CC Update Summary

4/3/2025 - By Bonnie Hubmann, CAFP, CAMS

Regulation CC mandates periodic adjustments to the minimum dollar amount of funds that must be made available from deposits into transaction accounts, reflecting cost-of-living changes. These adjustments occur every five years, starting in 2020. The next increase will take effect on July 1, 2025, raising next-day availability from $225 to $275, and second business day availability from $5,300 to $6,450. Unless an exception hold is applied, $6,725 must be made available by the second business day.

Key Changes:

Next-Day Availability: Increase from $225 to $275.
Second Business Day Availability: Increase from $5,300 to $6,450.
Total Availability by Second Business Day: Increase from $5,525 to $6,725 (unless an exception hold is applied).

While this change benefits customers by providing quicker access to their funds, financial institutions are still required to notify their deposit account holders of these updates. Changes to the Funds Availability Disclosure must be provided to customers no later than thirty (30) days after the change takes effect.

For additional information about this change or if you have general questions about placing holds under Regulation CC or related regulatory disclosures, contact Bonnie Hubmann at bonnie.hubmann@saltmarshcpa.com. You may also refer to the Final Rule published by the Federal Reserve System.

About the Author | Bonnie Hubmann

Bonnie is a senior consultant in the Financial Institution Advisory Group at Saltmarsh, Cleaveland & Gund. Prior to joining Saltmarsh in 2013, Bonnie had worked in the banking industry since 1986 with a focus on operations and compliance. Her primary areas of experience include deposit compliance and Bank Secrecy Act (BSA) compliance.