Next: Finding opportunities through agtech (EFAA) and the Check Clearing Act (Check 21). It requires financial institutions to make funds deposited into transaction accounts available consistent with specific time schedules and to disclose their funds availability policies to customers. It includes rules to facilitate collection and return of checks and electronic checks and describes requirements that affect banks that create or receive substitute checks, including requirements related to consumer disclosures and expedited recredit procedures. The regulation specifies availability schedules, exceptions, payment of interest and bank liability for noncompliance. It also states rules for expeditiously returning checks, the responsibilities of paying and returning banks and more guidance. Regulation DD-Truth in Savings Act (TISA). When consumer complaints about errors lead to deposit accounthttp://www.Security.org http://www.independentbanker.org