We are changing our business day hours and need to update our Reg CC disclosure. Do we need to have the specific hour of the business day cut off time in the initial disclosure or can we say before or after the business day cut off time. We would have the specific hours posted in the branches.

Look at #6 in Appendix E to §229:

6. The business day cut-off time used by the bank must be disclosed and if some locations have different cut-off times the bank must note this in the disclosure and state the earliest time that might apply. A bank need not list all of the different cut-off times that might apply. If a bank does not have a cut-off time prior to its closing time, the bank need not disclose a cut-off time.