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Expedited Funds Availability Act (EFA)The Expedited Funds Availability Act (EFA) of 1987 requires that depository institutions make funds deposited into transaction accounts available according to specified time schedules and disclose funds availability policies to their customers. The regulation also establishes rules designed to speed the collection and return of unpaid checks.
For more information on federal credit regulations and consumer rights go to the Federal Trade Commission (FTC) website at www.ftc.gov or www.federalreserve.gov
Some state laws may provide you with additional rights. For information go to the website of the National Association of Attorneys General (NAAG) at www.naag.org.
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