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house Bill H.R. 1679

Expediting Bank Holding Times for Check Deposits in American Samoa and the Northern Mariana Islands

Argument in favor

American Samoa’s exclusion from Regulation CC places a substantial financial burden on those living in American Samoa.

Argument opposed

American Samoa is a territory, not a state, so rules should be different. (Though in truth waiting 3 weeks for a check to clear seems nuts.)

bill Progress

  • Not enacted
    The President has not signed this bill
  • The senate has not voted
      senate Committees
      Committee on Banking, Housing, and Urban Affairs
  • The house Passed June 9th, 2014
    Passed by Voice Vote
      house Committees
      Committee on Financial Services
    IntroducedApril 23rd, 2013

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What is House Bill H.R. 1679?

This bill deals with the Expedited Funds Availability Act (commonly known as Regulation CC) and American Samoa and the Commonwealth of the Northern Mariana Islands. Regulation CC was enacted in 1987, and with the purpose of preventing lengthy delays in releasing funds from checks deposited at banks. American Samoa is an unincorporated territory of the United States; the Act only applies to States. At present, some banks in American Samoa have a policy of holding checks for three weeks. 


If enacted, the bill would decrease the amount of time U.S. checks were held in banks in American Samoa.

Cost of House Bill H.R. 1679

A CBO cost is unavailable.

Official Title

To amend the Expedited Funds Availability Act to clarify the application of that Act to American Samoa and the Northern Mariana Islands.

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