Recordkeeping and Disclosure Requirements Associated with Regulation CC

Forms and Documents

Document Name	Status
FRCC_20251229_83c.pdf Justification for No Material/Nonsubstantive Change	2025-12-29

IC Document Collections

IC ID	Document Title	Status
36259	Disclosure Bank burden Sections 229.16 and 229.17 Specific availability policy disclosure and Initial disclosures	Modified
238813	Disclosure Consumer burden Section 229.54(b)(2) Expedited recredit claim notice	Modified
238812	Disclosure Bank burden Section 229.57 Consumer awareness	Modified
228488	Disclosure Bank burden Section 229.55 Expedited recredit for banks	Modified
181043	Disclosure Bank burden Section 229.54 Expedited recredit for consumers	Modified
181042	Disclosure Bank burden Section 229.33(h) Notification to customer	Modified
181041	Disclosure Bank burden Section 229.31(c) Notice of nonpayment on paying bank	Modified
181040	Disclosure Bank burden Sections 229.11(c) and 229.18(e) Notices of quinquennial inflation adjustments (annualized)	Modified
181039	Disclosure Bank burden Section 229.18(e) Changes in policy	Modified
181038	Disclosure Bank burden Section 229.18(e) Annual notice of new ATMs	Modified
181036	Disclosure Bank burden Section 229.11(c) Quinquennial inflation adjustments for disclosures (annualized)	Modified
181035	Disclosure Bank burden Sections 229.18(b) and 229.18(c) Locations where employees accept consumer deposits and ATMs	Modified
181034	Disclosure Bank burden Section 229.13(g) Notice of exceptions	Modified
181032	Disclosure Bank burden Section 229.16(c) Longer delays on a case-by-case basis - Notice in specific policy disclosure	Modified

ICR Details

OMB Control No: 7100-0235	ICR Reference No: 202512-7100-002
Status: Historical Active	Previous ICR Reference No: 202212-7100-008
Agency/Subagency: FRS	Agency Tracking No: FR CC
Title: Recordkeeping and Disclosure Requirements Associated with Regulation CC
Type of Information Collection: No material or nonsubstantive change to a currently approved collection	Common Form ICR:  No
Type of Review Request: Delegated
OIRA Conclusion Action: Approved without change	Conclusion Date: 12/29/2025
	Date Received in OIRA: 12/29/2025
Terms of Clearance:

	Inventory as of this Action	Requested	Previously Approved
Expiration Date	12/31/2025	12/31/2025	12/31/2025
Responses	2,661,512	0	2,733,224
Time Burden (Hours)	134,327	0	137,840
Cost Burden (Dollars)	0	0	0

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Abstract: Regulation CC - Availability of Funds and Collection of Checks (12 CFR Part 229), which implements the Expedited Funds Availability Act of 1987 (EFA Act) and the Check Clearing for the 21st Century Act of 2003 (Check 21 Act), requires banks to make funds deposited in transaction accounts available within specified time periods, disclose their funds availability policies to customers, begin accruing interest on such deposits promptly, and provide certain notices in connection with the nonpayment of certain checks. Regulation CC also requires banks to provide consumer awareness disclosures and other notices regarding substitute checks. Regulation CC includes model disclosure forms, clauses, notices, and commentary to ease compliance with these requirements.

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Authorizing Statute(s): US Code: 12 USC 4008 Name of Law: Expedited Funds Availability Act
   US Code: 12 USC 5014 Name of Law: Check Clearing for the 21st Century Act
  

Citations for New Statutory Requirements: None

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Associated Rulemaking Information
RIN:	Stage of Rulemaking:	Federal Register Citation:	Date:
	Not associated with rulemaking

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Federal Register Notices & Comments
60-day Notice:	Federal Register Citation:	Citation Date:
	87 FR 31560	05/24/2022
30-day Notice:	Federal Register Citation:	Citation Date:
	87 FR 62101	10/13/2022
Did the Agency receive public comments on this ICR? No

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Number of Information Collection (IC) in this ICR: 14

IC Title	Form No.	Form Name
Disclosure Bank burden Section 229.11(c) Quinquennial inflation adjustments for disclosures (annualized)
Disclosure Bank burden Section 229.13(g) Notice of exceptions
Disclosure Bank burden Section 229.16(c) Longer delays on a case-by-case basis - Notice in specific policy disclosure
Disclosure Bank burden Section 229.18(e) Annual notice of new ATMs
Disclosure Bank burden Section 229.18(e) Changes in policy
Disclosure Bank burden Section 229.31(c) Notice of nonpayment on paying bank
Disclosure Bank burden Section 229.33(h) Notification to customer
Disclosure Bank burden Section 229.54 Expedited recredit for consumers
Disclosure Bank burden Section 229.55 Expedited recredit for banks
Disclosure Bank burden Section 229.57 Consumer awareness
Disclosure Bank burden Sections 229.11(c) and 229.18(e) Notices of quinquennial inflation adjustments (annualized)
Disclosure Bank burden Sections 229.16 and 229.17 Specific availability policy disclosure and Initial disclosures
Disclosure Bank burden Sections 229.18(b) and 229.18(c) Locations where employees accept consumer deposits and ATMs
Disclosure Consumer burden Section 229.54(b)(2) Expedited recredit claim notice

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ICR Summary of Burden

	Total Approved	Previously Approved	Change Due to New Statute	Change Due to Agency Discretion	Change Due to Adjustment in Estimate	Change Due to Potential Violation of the PRA
Annual Number of Responses	2,661,512	2,733,224	0	0	-71,712	0
Annual Time Burden (Hours)	134,327	137,840	0	0	-3,513	0
Annual Cost Burden (Dollars)	0	0	0	0	0	0

Burden increases because of Program Change due to Agency Discretion: No

Burden Increase Due to:

Burden decreases because of Program Change due to Agency Discretion: No

Burden Reduction Due to:

Short Statement: The decrease in total annual burden hours reflects an update to the respondent counts.

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Annual Cost to Federal Government: $0

Does this IC contain surveys, censuses, or employ statistical methods? No

Does this ICR request any personally identifiable information (see OMB Circular No. A-130 for an explanation of this term)? Please consult with your agency's privacy program when making this determination.     No

Does this ICR include a form that requires a Privacy Act Statement (see 5 U.S.C. §552a(e)(3))? Please consult with your agency's privacy program when making this determination.     No

Is this ICR related to the Affordable Care Act [Pub. L. 111-148 & 111-152]? No

Is this ICR related to the Dodd-Frank Wall Street Reform and Consumer Protection Act, [Pub. L. 111-203]? No

Is this ICR related to the American Recovery and Reinvestment Act of 2009 (ARRA)? No

Is this ICR related to the Pandemic Response? No

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Common Form ICR:  No

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On behalf of this Federal agency, I certify that the collection of information encompassed by this request complies with 5 CFR 1320.9 and the related provisions of 5 CFR 1320.8(b)(3).

The following is a summary of the topics, regarding the proposed collection of information, that the certification covers:

(a) It is necessary for the proper performance of agency functions;

(b) It avoids unnecessary duplication;

(c) It reduces burden on small entities;

(d) It uses plain, coherent, and unambiguous language that is understandable to respondents;

(e) Its implementation will be consistent and compatible with current reporting and recordkeeping practices;

(f) It indicates the retention periods for recordkeeping requirements;

(g) It informs respondents of the information called for under 5 CFR 1320.8 (b)(3) about:

(i) Why the information is being collected;

(ii) Use of information;

(iii) Burden estimate;

(iv) Nature of response (voluntary, required for a benefit, or mandatory);

(v) Nature and extent of confidentiality; and

(vi) Need to display currently valid OMB control number;

(h) It was developed by an office that has planned and allocated resources for the efficient and effective management and use of the information to be collected.

(i) It uses effective and efficient statistical survey methodology (if applicable); and

(j) It makes appropriate use of information technology.

If you are unable to certify compliance with any of these provisions, identify the item by leaving the box unchecked and explain the reason in the Supporting Statement.

Certification Date: 12/29/2025

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