Updated Funds Availability Thresholds under Regulation CC - Effective July 1, 2025
The Consumer Financial Protection Bureau (CFPB) and the Federal Reserve Board have adjusted the dollar thresholds within Regulation CC (Reg CC) for inflation. These updates, effective July 1, 2025, impact how quickly financial institutions must make deposited funds available for withdrawal.
What is Reg CC?
Reg CC establishes timelines for banks and credit unions to make deposited funds available, speeding up check clearing and ensuring members get timely access to their money. Availability depends on the deposit type (cash, checks, electronic transfers) and the paying financial institution’s location.
Key Threshold Changes (Effective July 1, 2025):
- Next-Day Availability (Standard Checks): The first $275 of a check deposit must be available by the next business day. The remaining funds are available on the second business day.
- Example: Deposit a $500 check on Monday, $275 available Tuesday, $225 available Wednesday.
- Same-Day Cash Withdrawal: Up to $275 in cash can be withdrawn on the same business day as the deposit.
- New Accounts, Large Deposits & Repeatedly Overdrawn Accounts Threshold: $6,725
- For new accounts, the first $6,725 of certain check deposits are subject to next-day availability.
- For large check deposits (over $6,725 in one day), funds exceeding $6,725 may be held for up to nine business days.
- This threshold also applies to the funds availability rules for accounts repeatedly overdrawn.
Why the Change?
These adjustments are mandated by the Expedited Funds Availability Act, requiring the Federal Reserve and CFPB to update Reg CC thresholds for inflation every five years, starting from 2020.