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Code · U.S. Code · Title 12 - BANKS AND BANKING · CHAPTER 50— CHECK TRUNCATION · § 5015

§ 5015. Study and report on funds availability

325 words·~1 min read·/usc/title-12/section-5015

A research copy — for the controlling text, always check the official state or federal source. Not legal advice.

(a)Study In order to evaluate the implementation and the impact of this chapter, the Board shall conduct a study of—
(1)the percentage of total checks cleared in which the paper check is not returned to the paying bank;
(2)the extent to which banks make funds available to consumers for local and nonlocal checks prior to the expiration of maximum hold periods;
(3)the length of time within which depositary banks learn of the nonpayment of local and nonlocal checks;
(4)the increase or decrease in check-related losses over the study period; and
(5)the appropriateness of the time periods and amount limits applicable under sections 4002 and 4003 of this title, as in effect on October 28, 2003.
(b)Report to Congress Before the end of the 30-month period beginning on the effective date of this chapter, the Board shall submit a report to the Congress containing the results of the study conducted under this section, together with recommendations for legislative action.
(Pub. L. 108–100, § 16, Oct. 28, 2003, 117 Stat. 1190.)
Connections4 cite this · traces to 1
5 references not yet in our index
  • Pub. L. 108–100, § 16
  • 117 Stat. 1190
  • Pub. L. 108–100
  • 117 Stat. 1177
  • section 20 of Pub. L. 108–100
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cites case law
§ 5015
Study and report on funds availability
Fed. Reg.×2
Stat. Comp.×1
Stat.×1
Pub. L.Pub. L. 108–100, § 16
Stat.117 Stat. 1190
Pub. L.Pub. L. 108–100
Stat.117 Stat. 1177
Pub. L.section 20 of Pub. L. 108–100
Cites 6Cited by 4 across 3 sources
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