PLAN TO ATTEND OUR VIRTUAL ESTATE PLANNING SESSION ON SEPTEMBER 13, 2025 FROM 10:00 AM TO NOON.  TEXT LCCU TO 54244 TO REGISTER.

Important Updates to Funds Availability and Check Collection Rules: Regulation CC

We are updating our Funds Availability Policy (Reg CC) effective July 1, 2025.  This is mandated by the Federal Reserve Board and the Consumer Financial Protection Bureau (CFPB).

What are the Changes?

Effective July 1, 2025, the following updates to Regulation CC are in place:

• Minimum Availability Amount: Increasing from $225 to $275
  (This is the amount of a deposit that must be made available by the next business day.)

• Cash Withdrawal Amount: Increasing from $450 to $550
  (Applies to the amount available for cash withdrawal from certain deposits.)

• Special Rule Thresholds for New Accounts and Large Deposits:
  • New Account Threshold: from $5,525 to $6,725
  • Large Deposit Threshold: from $5,525 to $6,725
  • Repeated Overdraft Threshold: from $5,525 to $6,725

These changes help ensure your funds are available more quickly and align with updated federal guidelines.

At Light Commerce Credit Union, we are committed to transparency and helping you understand how your money is handled. If you have any questions about these changes or how they might affect your deposits, please reach out to us at (281) 876-7576.