We are looking to institute sweep accounts where as the DDA account may be at zero or another set amount. Deposits can be made to a MMDA or DDA. Funds are then swept from MMDA to cover daily expenses or swept to MMDA when the DDA account gets to high the dollars are swept into the MMDA account. My question is does Reg D apply. I am getting conflicting advise and need to know which side of fence to fall off onto the ground. HELP, PLEASE!