View Information Collection Request (ICR) Package
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Please note that the OMB number and expiration date may not have been determined when this Information Collection Request and associated Information Collection forms were submitted to OMB. The approved OMB number and expiration date may be found by clicking on the Notice of Action link below.
View ICR - OIRA Conclusion
OMB Control No:
7100-0235
ICR Reference No:
202512-7100-007
Status:
Active
Previous ICR Reference No:
202512-7100-002
Agency/Subagency:
FRS
Agency Tracking No:
FR CC
Title:
Recordkeeping and Disclosure Requirements Associated with Regulation CC
Type of Information Collection:
Revision of a currently approved collection
Common Form ICR:
No
Type of Review Request:
Delegated
OIRA Conclusion Action:
Approved without change
Conclusion Date:
12/29/2025
Retrieve Notice of Action (NOA)
Date Received in OIRA:
12/29/2025
Terms of Clearance:
Inventory as of this Action
Requested
Previously Approved
Expiration Date
12/31/2028
36 Months From Approved
12/31/2025
Responses
2,661,612
0
2,661,512
Time Burden (Hours)
134,352
0
134,327
Cost Burden (Dollars)
0
0
0
Abstract:
Regulation CC - Availability of Funds and Collection of Checks (12 CFR Part 229) 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. Regulation CC contains both recordkeeping and disclosure requirements. The Paperwork Reduction Act (PRA) classifies these recordkeeping and disclosure requirements as an information collection. Although Regulation CC applies to all banks, the Board accounts for only the burden imposed on the state member banks and uninsured state branches and agencies of foreign banks that it supervises.
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
Associated Rulemaking Information
RIN:
Stage of Rulemaking:
Federal Register Citation:
Date:
Not associated with rulemaking
Federal Register Notices & Comments
60-day Notice:
Federal Register Citation:
Citation Date:
90 FR 17932
04/30/2025
30-day Notice:
Federal Register Citation:
Citation Date:
90 FR 51355
11/17/2025
Did the Agency receive public comments on this ICR?
No
Number of Information Collection (IC) in this ICR:
15
IC Title
Form No.
Form Name
Disclosure Bank burden Section 229.10(c)(3) Special deposit slip
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 and notice at time of case-by-case delay
Disclosure Bank burden Section 229.18(e) Annual notice of new ATMs
Disclosure Bank burden Section 229.18(e) Notice of changes in policy
Disclosure Bank burden Section 229.33(h) Notification to customer
Disclosure Bank burden Section 229.54 Expedited recredit claim for consumers
Disclosure Bank burden Section 229.55 Expedited recredit claim 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 Bank burden Sections 229.31(c), 229.31(f), and 229.32(d) Notices of nonpayment
Disclosure Consumer burden Section 229.54(b)(2) Expedited recredit claim notice
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
2,661,612
2,661,512
0
100
0
0
Annual Time Burden (Hours)
134,352
134,327
0
25
0
0
Annual Cost Burden (Dollars)
0
0
0
0
0
0
Burden increases because of Program Change due to Agency Discretion:
Yes
Burden Increase Due to:
Miscellaneous Actions
Burden decreases because of Program Change due to Agency Discretion:
Yes
Burden Reduction Due to:
Miscellaneous Actions
Short Statement:
The estimated total annual burden for the FR CC is 134,327 hours, and would increase to 134,352 with the revisions.
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
Agency Contact:
Ron Qiu 202 430-9259 ron.qiu@frb.gov
Common Form ICR:
No
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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