---
title: "Regulation CC: New Account Delays"
description: "A new account is an account that is less than 30 days old and at least one customer on the account
Option to delay deposits for new accounts Regulation CC"
---

[Banker's Compliance Consulting Blog ](https://blog.bankerscompliance.com/en)

# [Regulation CC: New Account Delays](https://blog.bankerscompliance.com/en/regulation-cc-new-account-delays)

 Written by [Kevin Edwards](https://blog.bankerscompliance.com/en/author/kevin-edwards) | Feb 16, 2023 5:14:09 PM

Did you know that Regulation CC allows you to delay funds deposited into a new account? This is often overlooked by many financial institutions. The key is that this needs to be disclosed to customers upfront in your Funds Availability disclosure given at account opening.

Kevin explains more in the video.

Video Highlights:

- A new account is an account that is less than 30 days old, and at least one customer on the account is new.
- Financial institutions have the option to delay deposits for new accounts, but they must let customers know on the front end in the Funds Availability Notice given at account opening.
- After 30 days of being open, a new account is no longer eligible for special rules or delays associated with them.

Published  
2023/02/16

[View full post](https://blog.bankerscompliance.com/en/regulation-cc-new-account-delays)

```json
{
  "@context" : "http://schema.org",
  "@type" : "BlogPosting",
  "author" : {
    "@type" : "Person",
    "name" : "Kevin Edwards"
  },
  "dateModified" : "2023-02-16T17:14:09.575Z",
  "datePublished" : "2023-02-16T17:14:09Z",
  "headline" : "Regulation CC: New Account Delays",
  "image" : {
    "@type" : "ImageObject",
    "height" : 3433,
    "url" : "https://21201105.fs1.hubspotusercontent-na1.net/hubfs/21201105/New%20Account.jpeg",
    "width" : 5150
  },
  "mainEntityOfPage" : "https://blog.bankerscompliance.com/en/regulation-cc-new-account-delays",
  "publisher" : {
    "@type" : "Organization",
    "logo" : {
      "@type" : "ImageObject",
      "height" : 60.0,
      "url" : "https://fs.hubspotusercontent00.net/hubfs/21201105/Bankers_Compliance_Consulting_Logo%20copy%202.jpg",
      "width" : 310.30304
    },
    "name" : "Banker's Compliance Consulting Blog"
  }
}
```