Regulation CC
E109630
Regulation CC is a U.S. Federal Reserve regulation that governs the availability of funds and the collection and return of checks in the banking system.
All labels observed (5)
| Label | Occurrences |
|---|---|
| Availability of Funds and Collection of Checks | 1 |
| Check Clearing for the 21st Century Act | 1 |
| Expedited Funds Availability Act | 1 |
| Regulation CC canonical | 1 |
| Subpart C – Collection of Checks | 1 |
How this entity was disambiguated
This entity first appeared as the object of triple T931181 — resolving that mention is where its identity was fixed. The disambiguator weighed these candidate entities and picked the highlighted one (or “None”, minting a new entity). This is how homonymy is resolved: the same surface form can point to different entities.
NED1
Entity disambiguation (via context triple)
gpt-5-mini-2025-08-07
Target entity: Regulation CC Context triple: [Regulation D, relatedTo, Regulation CC]
-
A.
Regulation Z
Regulation Z is a key U.S. federal rule implementing the Truth in Lending Act, requiring clear disclosure of credit terms and costs to protect consumers in credit transactions.
-
B.
Regulation T
Regulation T is a Federal Reserve Board rule that governs the extension of credit by securities brokers and dealers, including margin requirements for purchasing securities.
-
C.
Gramm-Leach-Bliley Act of 1999
The Gramm-Leach-Bliley Act of 1999 is a U.S. federal law that overhauled financial regulation by repealing key parts of Glass-Steagall, allowing the consolidation of commercial banking, investment banking, and insurance services while imposing new consumer privacy and data protection requirements.
-
D.
Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994
The Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 is a U.S. federal law that deregulated interstate banking by allowing bank holding companies and banks to expand and operate branches across state lines, reshaping the national banking landscape.
-
E.
Regulation D
Regulation D is a Federal Reserve Board rule that governs reserve requirements for depository institutions and defines certain types of bank accounts and transaction limits in the U.S. banking system.
- F. None of above. chosen
- G. Unsure - the case is ambiguous/there is not enough information to decide.
NED2
Entity disambiguation (via description)
gpt-5-mini-2025-08-07
Target entity: Regulation CC Target entity description: Regulation CC is a U.S. Federal Reserve regulation that governs the availability of funds and the collection and return of checks in the banking system.
-
A.
Regulation Z
Regulation Z is a key U.S. federal rule implementing the Truth in Lending Act, requiring clear disclosure of credit terms and costs to protect consumers in credit transactions.
-
B.
Regulation T
Regulation T is a Federal Reserve Board rule that governs the extension of credit by securities brokers and dealers, including margin requirements for purchasing securities.
-
C.
Gramm-Leach-Bliley Act of 1999
The Gramm-Leach-Bliley Act of 1999 is a U.S. federal law that overhauled financial regulation by repealing key parts of Glass-Steagall, allowing the consolidation of commercial banking, investment banking, and insurance services while imposing new consumer privacy and data protection requirements.
-
D.
Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994
The Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 is a U.S. federal law that deregulated interstate banking by allowing bank holding companies and banks to expand and operate branches across state lines, reshaping the national banking landscape.
-
E.
Regulation D
Regulation D is a Federal Reserve Board rule that governs reserve requirements for depository institutions and defines certain types of bank accounts and transaction limits in the U.S. banking system.
- F. None of above. chosen
Statements (50)
| Predicate | Object |
|---|---|
| instanceOf |
Federal Reserve regulation
ⓘ
United States federal regulation ⓘ |
| administeredBy | Federal Reserve System ⓘ |
| affects |
check hold policies for business accounts
ⓘ
check hold policies for consumer accounts ⓘ |
| amendedBy | Check 21 Act implementation rules ⓘ |
| appliesTo |
U.S. branches and agencies of foreign banks
ⓘ
banks ⓘ credit unions ⓘ depository institutions ⓘ savings associations ⓘ |
| codifiedAt | 12 CFR Part 229 ⓘ |
| defines |
banking day
ⓘ
business day ⓘ electronic check ⓘ local check ⓘ nonlocal check ⓘ substitute check ⓘ |
| effectiveDate | September 1, 1988 ⓘ |
| enforcedBy |
Federal Deposit Insurance Corporation
ⓘ
Federal Reserve Board of Governors ⓘ
surface form:
Federal Reserve Board
National Credit Union Administration ⓘ Office of the Comptroller of the Currency ⓘ |
| fullName |
Regulation CC
self-linksurface differs
ⓘ
surface form:
Availability of Funds and Collection of Checks
|
| governs |
availability of funds
ⓘ
collection of checks ⓘ return of checks ⓘ |
| includesSubpart |
Subpart A – General
ⓘ
Subpart B – Availability of Funds and Disclosure of Funds Availability Policies ⓘ Regulation CC self-linksurface differs ⓘ
surface form:
Subpart C – Collection of Checks
Subpart D – Check Substitution and Electronic Checks ⓘ Subpart E – Remotely Created Checks and Other Items (if applicable in later amendments) ⓘ |
| jurisdiction |
United States of America
ⓘ
surface form:
United States
|
| legalBasis |
Regulation CC
self-linksurface differs
ⓘ
surface form:
Expedited Funds Availability Act
|
| objective | to protect consumers from excessive delays in accessing deposited funds ⓘ |
| purpose |
to ensure prompt availability of deposited funds
ⓘ
to establish rules for check collection and returns ⓘ to reduce risk and uncertainty in the check clearing process ⓘ to standardize hold periods on deposits ⓘ |
| regulator |
Federal Reserve Board of Governors
ⓘ
surface form:
Board of Governors of the Federal Reserve System
|
| relatedTo |
Regulation CC
self-linksurface differs
ⓘ
surface form:
Check Clearing for the 21st Century Act
|
| requires |
disclosure of funds availability policies to customers
ⓘ
posting of funds availability notices at branches ⓘ provision of funds availability policy at account opening ⓘ |
| setsRuleFor |
exceptions to standard availability schedules
ⓘ
expedited return of unpaid checks ⓘ longer hold periods for certain types of checks ⓘ next-day availability for certain deposits ⓘ notice of nonpayment ⓘ warranties and indemnities for substitute checks ⓘ |
How these facts were elicited
The pipeline generated the facts above by prompting gpt-5.1 with this entity's name + description and the instruction below.
Instruction
You are a knowledge base construction expert. Given a subject entity and a description of it, return factual statements that you know for the subject as a JSON list of dictionaries(triples), where keys must be "subject", "predicate" and "object". The number of facts may be very high, between 25 to 50 or more, for very popular subjects. For less popular subjects, the number of facts can be very low, like 5 or 10. # Requirements - If you don't know the subject at all, return an empty list. - If the subject is not a named entity, return an empty list. - Include at least one triple where predicate is "instanceOf". - Do not get too wordy. - Separate several objects into multiple triples with one object.
Input
Subject: Regulation CC Description of subject: Regulation CC is a U.S. Federal Reserve regulation that governs the availability of funds and the collection and return of checks in the banking system.
Referenced by (5)
Full triples — surface form annotated when it differs from this entity's canonical label.
this entity surface form:
Availability of Funds and Collection of Checks
this entity surface form:
Expedited Funds Availability Act
this entity surface form:
Subpart C – Collection of Checks
this entity surface form:
Check Clearing for the 21st Century Act