Historically our FI has sent Reg.CC amended disclosures to all deposit customers, including savings and time deposit customers (as a convenience). If that has been the accepted practice in the past, must we continue to do this? We are in the Philly Fed district and will need to amend disclosures relative to availability schedules of some FI's currently in the NY Fed district. Our FI doesn't wish to send amended disclosures to those that are not required to receive them (savings and time deposit customers).

No regulatory reason to send to savings and time deposits. If these are a separate mailing - look at the postage savings!