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Mobile deposits and Reg CC

Question: 
Have mobile deposits become subject to Regulation CC yet?.
Answer: 

Regulation CC still doesn’t control when you make funds from mobile deposits available. The last change affecting mobile-deposited checks created an indemnity by a depositary bank with a mobile deposit in favor of a depositary bank with a deposit of the original paper check when the paper check is returned unpaid because the check was paid in its mobile deposit form. That change was effective 7/1/2018. When mobile-deposited checks will become subject to the funds availability rules in Reg CC is unknown.
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First published on 11/24/2019

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