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APPENDIX C—Model Availability-Policy Disclosures, Clauses, and Notices; Model Substitute-Check-Policy Disclosure and Notices

This appendix contains model availabilitypolicy and substitute-check-policy disclosures, clauses, and notices to facilitate compliance with the disclosure and notice requirements of Regulation CC (12 CFR 229). Although use of these models is not required, banks using them properly (with the exception of models C-22 through C-25) to make disclosures required by Regulation CC are deemed to be in compliance.

Model Disclosures

C-1

Next-day availability
C-2

Next-day availability and section 229.13 exceptions
C-3

Next-day availability, case-by-case holds to statutory limits, and section 229.13 exceptions
C-4

Holds to statutory limits on all deposits (includes chart)
C-5

Holds to statutory limits on all deposits
C-5A

Substitute-Check-Policy Disclosure Model

Model Clauses

C-6

Holds on other funds (check cashing)
C-7

Holds on other funds (other account)
C-8

Appendix B availability (nonlocal checks)
C-9

Automated teller machine deposits (extended hold)
C-10

Cash-withdrawal limitation
C-11

Credit union interest-payment policy
C-11A

Availability of funds deposited at other locations

Model Notices

C-12

Exception hold notice
C-13

Reasonable-cause hold notice
C-14

One-time notice for large-deposit and redeposited-check exception holds
C-15

One-time notice for repeated-overdraft exception holds
C-16

Case-by-case hold notice
C-17

Notice at locations where employees accept consumer deposits
C-18

Notice at locations where employees accept consumer deposits (case-by-case holds)
C-19

Notice at automated teller machines
C-20

Notice at automated teller machines (delayed receipt)
C-21

Deposit-slip notice
C-22

Expedited-Recredit Claim, Valid-Claim Refund Notice
C-23

Expedited-Recredit Claim, Provisional-Refund Notice
C-24

Expedited-Recredit Claim, Denial Notice
C-25

Expedited-Recredit Claim, Reversal Notice