Your deposit content resource — Reg CC

Here to help you stay in compliance with the latest deposit regulations!

At Wolters Kluwer, we are committed to keeping you informed and compliant. Our team constantly monitors regulatory changes at state and federal levels, along with case laws, industry trends, and regulatory guidance. Our focus on compliance brings two large changes to deposit account opening content — the May 13^th issuing of Regulation CC (Funds Availability) Cost of Living adjustments, and significant updates to our Terms and Conditions (Account Agreement) in 2022 and 2023.

Why these updates matter

We understand the inconvenience frequent changes can cause, so we typically update our Terms and Conditions every three years based on the market needs. This approach helps maintain the accuracy and relevance of our content while minimizing disruptions for you. The release of Regulation CC Cost of Living adjustments, effective July 1, 2025 (types of accounts covered by Reg CC include demand deposit accounts or similar transaction accounts at a depository institution that can make third-party payments), can now be rolled into one deposit content update instead of multiple unbudgeted events for your institution.

Action required

Changes due to regulations, and change in terms notice, can be cumbersome - you may need to update your platform, policies & procedures, training documentation, and communicate those changes to your account holders via a change notice. Planning those updates and defining a timeline can be painful, especially when you have to consider editing time, vacation schedules, printing, and mailing time. To help, we created an implementation timeline — download it here.

Starting this process early not only removes the pressures of a mandatory compliance date, it also allows flexibility in scheduling around internal and external resources.

Stay protected and compliant with Wolters Kluwer

Let Wolters Kluwer help you navigate these changes effortlessly. Update your content now to ensure continued compliance and take advantage of our combined change notice to simplify your processes.

Want to research solutions now? Here are a few of our deposit solutions to get you started:

Streamlined change notices

Sending change notices can be an unexpected expense, often overlooked during budget planning. To help manage these costs, we have developed a combined change notice that incorporates both our updated Terms and Conditions and the new Regulation CC changes. Use the form below and an Account Executive can walk you through your options.

Forms/documents for banks and credit unions

We provide a comprehensive library of content, from account opening disclosures to servicing documents — whether standardized or customized to your institution. We’ll guide you through the entire process, including identifying the content you need, assistance through our expert editor team, and guidance determining the best delivery method (paper or electronic form). We're here to assist you every step of the way!