Regulation CC Policy

Table of Contents

Purpose and Contents - Topic 1

Policy Statement - Topic 2

Definitions - Topic 3

Staff Training - Topic 4

Retention of Records - Topic 5

Subpart B - Availability of Funds and Disclosure of Funds Availability Policies

Rules of Availability - Topic 1

Other Requirements - Topic 2

Interest Payments - Topic 3

Customer Notification - Topic 4

Placing Cash-Paid Holds - Topic 5

Placing and Releasing Computer Holds on Accounts - Topic 6

Placing a Hold When the Computer System is Down - Topic 7

Penalties - Topic 8

Subpart C - Collection of Checks

Paying Bank's Responsibility for Return of Checks - Topic 1

Returning Bank's Responsibility for Return of Checks - Topic 2

Depositary Bank's Responsibility for Returned Checks - Topic 3

Notice of Nonpayment - Topic 4

Warranties - Topic 5

Indorsements - Topic 6

Presentment and Issuance of Checks - Topic 7

Variation by Agreement - Topic 8

Liability - Topic 9

lnsolvency of Bank - Topic 10

Effect of Merger Transaction - Topic 11

Relation to State Law - Topic 12

Exclusions - Topic 13

Checks Payable in Guam, American Samoa, Northern Mariana Islands - Topic 14

Subpart D - Substitute Checks

General Provisions Governing Substitute Checks - Topic 1

Substitute Check Warranties - Topic 2

Substitute Check Indemnity - Topic 3

Expedited Recredit for Consumers - Topic 4

Expedited Recredit for Banks - Topic 5

Liability - Topic 6

Consumer Awareness - Topic 7

Mode of Delivery of Information - Topic 8

Relation to Other Law - Topic 9

Variation by Agreement - Topic 10

Includes the following form templates:

Reg CC Quick Reference Chart (2 pages)

Reg CC Substitute Check Affidavit Packet (4 pages)

Reg CC Substitute Check Claim Customer Letter - Denial (1 page)

Reg CC Substitute Check Claim Customer Letter - Provisional Credit (1 page)

Reg CC Substitute Check Claim Customer Letter - Reversal (1 page)

Reg CC Substitute Check Claim Customer Letter - Valid (1 page)

Reg CC Substitute Check Customer Disclosure (1 page)

Reg CC Substitute Check Expedited Recredit Claim Log (1 page)

Recent updates to this product:

12/06/05 Update

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