Regulation CC (Reg CC) guidelines do not apply for holds placed on an account used as collateral for a loan. Place those holds so that the expiration date coordinates with the loan maturity date. 

Reg CC guidelines also do not apply to holds for lost or stolen checkbooks. These holds are not placed on a specific item(s); they are placed on an account balance or group of checks.

Although Reg CC only applies to transaction accounts (for example: checking and Negotiable Order of Withdrawal (NOW) accounts), use the same guidelines for holds on savings, Money Market Deposit Account (MMDA), or Certificate Deposit (CD) accounts, unless a longer hold time is warranted for a specific item.

There is no maximum time frame for holds on savings or MMDA accounts. However, CCB policy states that we will use the same guidelines when placing holds on these types of accounts. Checks deposited into savings accounts can be returned unpaid; therefore, for safety and soundness purposes, holds are placed on these accounts even though the regulation excludes them. 

The regulation does not apply to foreign checks (for example: Checks drawn on banks located outside of the United State or its possessions).