I also review holds daily. WE are a next day availability bank, but do a fair amount of case-by-case, new account and exception holds. At this recent compliance exam we had no exceptions...I believe that was a FIRST!!!
Bear in mind with the Reg CC caluclator, you need to back up your system hold date by one day so it will actually be available on that next morning.
As an aside, the examiner's that complained about the leniency of "shorter than you could do holds" would have gotten one good argument from me!
My opinion only. Not legal advice.
Say you'll haunt me - Stone Sour