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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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Bill Details

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Official Title

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


Amends the Expedited Funds Availability Act to apply it to American Samoa and the Commonwealth of the Northern Mariana Islands. Extends by two business days, for American Samoa and the Commonwealth, any time periods established for large or redeposited check, repeated overdraft, reasonable cause, or other emergency exceptions to the 30-day funds availability requirements for deposits in an depository institution account by a new depositor. Extends by one business day any deposit which is both deposited: (1) in an account at a depository institution located in American Samoa or the Commonwealth, and (2) by a check drawn on an originating depository institution which is not located in the same commonwealth or territory as the receiving depository institution.

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