Regulation CC disclosure of funds availabilitiy policy. Existing checking account customer opens a new checking account, we have been told we do not have to provide the disclosure of funds availability based on section 229.15 (c) Multipe accounts and multiple account holders. However section 229.17 (includes commentary) provides greater detail and requires the notice. If we stop providing the notice for exisitng customers when they open a new account are we within compliance?