Scope fence, read before use
This tool does not connect to the Federal Register, the CFPB, or any live data source. The threshold table below is declared reference data pinned to 2030 values per the CFPB's Regulation CC inflation-adjustment schedule, and the business-day counts in the calculator are configurable defaults we assign to general Reg CC deposit-type categories, not hardcoded citations to a specific 12 CFR 229 subsection. The date math also does not account for federal holidays; adjust the result manually for any holiday that falls in the hold window. Re-verify both the thresholds and the day-counts against the current Federal Register notice and 12 CFR 229 at consumerfinance.gov before filing or compliance use.
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Step 1 · 2030 Reg CC Dollar Thresholds (Frozen)
Declared reference data, re-pinned by a data_version bump if the CFPB revises the schedule, never re-derived at runtime
| Threshold | Amount | Description |
|---|
Step 2 · Hold-Schedule Date Calculator
Deposit date + deposit type, adds business days only (weekends skipped, federal holidays not accounted for)