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Reg CC Exception Holds demo

The check beside a business-day strip of when each slice of the deposit becomes available, the exception and its facts with their sources, and the notice as it will print 1:32

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What the demo shows

Deposit ops decide each exception hold under Regulation CC and send the right notice on time

Agents read each flagged deposit from item processing, mobile and ATM capture and the core: the image, the cutoff and the day's total. They pick the Regulation CC exception that applies, or refuse one the rule does not allow, write the facts with their sources, and lay each slice of the deposit on a holiday-aware strip of business days. A consistency agent shows how the bank decided its last 500 comparable deposits, and a notice agent drafts the notice from the approved template. A deposit operations specialist approves as the maker and a second specialist checks; then the hold goes to the core and the notice goes out. A release agent proposes early releases on collected funds and extensions when new facts arrive, and compliance sees quarterly consistency by branch, channel and neighborhood.

Transcript

  1. Reg CC Exception Holds helps deposit operations decide each exception hold and send the notice on time.
  2. Since July 2025, the large-deposit amount is sixty-seven twenty-five, and examiners test every hold.
  3. After Columbus Day, the agents screened two days of deposits; ninety-two met an exception.
  4. Marisol Ferrante deposited a ninety-eight-fifty check by phone on Tuesday evening.
  5. The agents read the check, pick the exception and count business days, skipping the holiday.
  6. Two seventy-five today, sixty-four fifty Thursday, and thirty-one twenty-five on October twenty-second.
  7. Ninety-six percent of five hundred similar deposits got the same hold.
  8. The notice prints with the amount, the reason and both dates.
  9. Janelle approves as maker; Curtis checks, and the notice goes out.
  10. Every decision and agent step lands on the audit trail.
  11. The same rule for every customer, and every notice out the same day.
  12. Built on Botminds: agents, data, screens and governance on one platform.

The narration as written for the film. Captions are on the player.