Nonetheless, as I have already noted, recent and future consolidations of Federal Reserve check-processing regions have benefited,  4  The Expedited Funds Availability Act requires that the Board reduce the maximum hold periods to the period of time necessary for the depositary bank to reasonably expect to learn of the nonpayment of most checks in a given category.
For this reason, it would not only be appropriate, but also necessary, to have several points of interaction between now and October, whereby banks will be contacted by supervisors in order to be able to contradict partial and preliminary facts of the AQR and the stress test.