Treasury's Garnishment of Accounts Containing Federal Benefit Payments defines what types of payments are protected under that regulation. It's in the definitions section of the rule:
Benefit payment means a Federal benefit payment referred to in § 212.2(b) paid by direct deposit to an account with the character "XX" encoded in positions 54 and 55 of the Company Entry Description field and the number "2" encoded in the Originator Status Code field of the Batch Header Record of the direct deposit entry.
If the payment fits that description (the XX and the 2) it is protected.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
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