"My favorite part of attending ICBA Institutes is connecting with peers from other institutions. I look forward to future events knowing familiar faces will be there, and while the training is always excellent, it’s the networking that keeps me coming back."
-McKenzie Humpal, VP Compliance Officer at First Citizens Bank in Iowa
"Through ICBA, I earned the CCBIA, CBAP, and CCBCO designations, each enhancing my role at different stages of my career. Each designation provided valuable resources and insights that improved my expertise in these areas."
-Michael Hoehn, Assistant Compliance Officer and CRA Officer at First Metro Bank in Muscle Shoals, Alabama.
"The Fraud Seminar was excellent and very informative. I got a lot of resources that will help in our FI. Great tools."
-Donna Franklin, AmeriState Bank, Atoka, Ohio
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Regulation CC, also known as the Expedited Funds Availability Act,
establishes the basic rights, liabilities, and responsibilities
financial institutes have regarding the availability of deposited
funds.
Regulation CC also outlines the rules and regulations banks
must follow pertaining to substitute checks. This course provides an
overview of funds availability rules, required notices, returning of
checks, and substitute checks. This course is intended for
frontline staff and those who make decisions regarding holds and the
paying of checks.Learning Objectives:
Acknowledge when funds must be made available for withdrawal
Know when and how to notify the customer of delayed availability
Review that you and your bank are disclosing the bank's funds
availability policy accurately
Ensure the return of a check to the deposit bank is done in a
timely and correct manner
Understand the basic rules regarding Check 21 and substitute checks
