---
title: "Regulation CC: One-Time Delay Notices"
description: Learn about Regulation CC's one-time delay notice for non-consumer transaction accounts, its benefits for businesses, and how to comply with this specific allowance.
---

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

# [Regulation CC: One-Time Delay Notices](https://blog.bankerscompliance.com/en/regulation-cc-one-time-delay-notices)

 Written by [Amy Kudlacek](https://blog.bankerscompliance.com/en/author/amy-kudlacek) | Oct 14, 2025 4:39:14 PM

It’s a common misconception that Regulation CC only applies to consumers. Regulation CC applies to all transaction accounts; however, there are certain requirements that only apply to consumers and other things that only apply to non-consumers.

The one-time exception notice, outlined in §229.13(g)(2), is one allowance that only applies to non-consumer transaction accounts. While we don’t often see institutions take advantage of this, it is an option. The Regulation states:

*In lieu of providing notice pursuant to paragraph (g)(1) *(exception delay notice) *a depositary bank that extends the time when the funds deposited in a nonconsumer account will be available for withdrawal based on an exception contained in paragraph (b) *(large deposit)* or (c)* (* *redeposited checks*) of this section may provide a single notice to the customer that includes the following information:*

> *(i)The reason(s) the exception may be invoked; and*
> 
> *(ii) The time period within which deposits subject to the exception generally will be available for withdrawal.*

This could come in handy for those commercial accounts like grocery stores, convenience stores, pawn shops, etc., that deposit a lot of checks. But remember, this specific allowance is only for large deposits (checks exceeding $6,725) and redeposited checks; this one-time notice must generally be provided to the customer no later than the time of the first deposit subject to the delay. The Regulation also points out that the …*one-time notice shall be provided **only** if each type of exception cited in the notice will be invoked for most check deposits in the account to which the exception could apply.* Appendix C of the Regulation provides a Model Form (C-14) for this one-time exception hold.

Once the notice is provided, it does not expire.

Published  
2025/10/14

[View full post](https://blog.bankerscompliance.com/en/regulation-cc-one-time-delay-notices)

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