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Tag: Regulation CC

1 article tagged “Regulation CC”
Compliance

Regulation CC Funds Availability and the AI Deposit-Servicing Agent: Next-Day, Second-Day, Case-by-Case Holds, and the Notice the Rule Insists On

Regulation CC at 12 CFR 229 is the rule every branch teller learns and every AI deposit-servicing agent has to learn too, because the customer calling about a check that has not cleared is asking a question the rule already answered. The next-day and second-day defaults, the four exception-hold categories, the case-by-case rule for larger deposits, and the disclosure timing all sit inside the agent's first conversation with the customer. The architecture we run so the agent's answer is the right one on the day the customer asks, and the bank's file supports it later.

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