Fed, CFPB release adjusted Reg CC thresholds 

The Federal Reserve and CFPB Monday announced the inflation-adjusted Regulation CC dollar thresholds that will take effect July 2025. Regulation CC governs the availability of funds from customer deposits and the collection and return of checks. 

“These changes in Regulation CC include the minimum amount of deposited funds that banks must make available for withdrawal by opening of business on the next day for certain check deposits as well as the amount of funds deposited by certain checks in a new account that are subject to next-day availability,” noted the Fed. 

The agencies are required to update the dollar threshold every five years by the annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers. The Fed added that inflation measurement for this upcoming period was taken from July 2018 to July 2023. 

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