In Reg CC an editors note states that "1214 and 3214 routing numbers are assigned to teh "Pacific Island Banks" described in 229.43 of the Regulations the are not listed here (in the list of routing numbers) because those banks don't meet the definition of "bank"...does anyone know why they are not a bank for the sake of this reg? We are updating our funds availability reference and I want to be able to explain why checks with these routing numbers are not subject to regular availability. Any help would be much appreciated!

I doesn't make sense, does it? Banks in Guam, Northern Marianas Islands and American Samoa are banks under the FDI Act, so I don't see why the Fed says they aren't banks for the Reg CC definition. It seems contradictory. Look at 229.43 for special rules on checks from those locations.