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ABA: The American Bankers Association

Expedited Funds Availability Act (Reg CC)

The EFAA governs the availability of funds from consumer and business customers’ deposit in transaction accounts and promotes the expedited collection and return of checks and electronic checks.

EFAA is implemented through Regulation CC. The Federal Reserve Board writes the rules related to the check forward and return process. It writes the consumer-facing rules jointly with the Bureau of Consumer Financial Protection.

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Nessa Feddis

Nessa E. Feddis

SVP & Senior Counsel, Consumer Regulations and Compliance Solutions


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