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Availability of Funds and Collection of Checks (Regulation CC) Threshold Adjustments

The Board of Governors of the Federal Reserve System (Board) and the Consumer Financial Protection Bureau (CFPB) are amending Regulation CC, which implements the Expedited Funds Availability Act (EFA Act), to adjust for inflation dollar amounts relating to availability of funds. In 2019, the Board and the CFPB finalized a rule that formally set a methodology for inflation adjustments which occur every five years.

May 13, 2024

As a result of the 21.8 percent increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers between July 2018 and July 2023, the following thresholds are effective from July 1, 2025 for five years:

Section Threshold

Minimum Amount, 12 CFR 229.10(c)(1)(vii).

$275

Cash Withdrawal Amount, 12 CFR 229.12(d).

$550

New-Account Amount, 12 CFR 229.13(a)(1)(ii).

$6,725

Large-Deposit Threshold, 12 CFR 229.13(b).

$6,725

Repeatedly Overdrawn Threshold, 12 CFR 229.13(d)(2).

$6,725

Civil Liability Minimum and Maximum for Individual Action, 12 CFR 229.21(a)(2)(i).

$125
$1,350

Civil Liability Maximum for Class Action, 12 CFR 229.21(a)(2)(ii)(B).

$672,950

June 24, 2019

As a result of the 10.5 percent increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers between July 2011 and July 2018, the following thresholds are effective from July 1, 2020 for five years:

Section Threshold

Minimum Amount, 12 CFR 229.10(c)(1)(vii).

$225

Cash Withdrawal Amount, 12 CFR 229.12(d).

$450

New-Account Amount, 12 CFR 229.13(a)(1)(ii).

$5,525

Large-Deposit Threshold, 12 CFR 229.13(b).

$5,525

Repeatedly Overdrawn Threshold, 12 CFR 229.13(d)(2).

$5,525

Civil Liability Minimum and Maximum for Individual Action, 12 CFR 229.21(a)(2)(i).

$100
$1,100

Civil Liability Maximum for Class Action, 12 CFR 229.21(a)(2)(ii)(B).

$552,500