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NCU-ISAO
Registration Now Open! Credit Union Industry Cyber Incident Response Virtual Tabletop Exercise
NCU-ISAO has opened the registration for the 2025 Cyber Incident Response Virtual Tabletop Exercise.
The NCU-ISAO has partnered with the DHS CISA’s National Exercise Team to create a half-day industry exercise for industry stakeholders such as credit unions. This FREE event will allow credit unions to test their cyber incident response preparedness in a facilitated, collaborative webinar event.
When: Wednesday, Aug. 20, 2025, from 12pm-1pm Eastern
Location: Virtual via WebEx Webinars
Cost: FREE for credit unions.
Space is limited, so be sure to register yourself and your teams.
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Reminder: Regulation CC Changes Effective July 1
On July 1, 2025, several thresholds under the Expedited Funds Availability Act (Regulation CC) will be adjusted once again for inflation. They include the following:
- Increase the amount of certain check deposits that must be made available on the next business day following the date of deposit from $225 to $275.
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Increase the new account exception hold threshold from $5,525 to $6,725. Beginning July 1, a credit union may delay the availability of funds in excess of $6,725 deposited to a new account in any one banking day.
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Increase the large deposit exception hold threshold from $5,525 to $6,725. Beginning July 1, a credit union may delay the availability of funds in excess of $6,725 deposited to an existing account in any one banking day.
As a reminder, the Dodd-Frank Act amended the Expedited Funds Availability Act by requiring adjustments for inflation every five years. The first round of adjustments tied to the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) occurred on July 1, 2020.
While credit unions are required to provide notice of this change under Regulation CC, since the increased thresholds will result in expedited availability of funds to the member, advance notification is not required. Notice may be provided up to 30 days following the effective date of the change, in this case, not later than July 31, 2025. Notice may be given in any form, so long as it is clear and conspicuous. If the credit union opts to send each member a new funds availability disclosure, it must highlight the adjusted amounts in the revised disclosure.
Additional information about the Expedited Funds Availability Act and Regulation CC may be found in InfoSight 360. The Funds Availability Chart, located under Additional Resources, has been updated to reflect the increased thresholds effective July 1.
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