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Navy federal document 1409 online

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Navy Federal Credit Union submitted comments to the Federal Reserve regarding proposed changes to Regulation CC, which governs the availability of funds and collection of checks. The credit union supports efforts to modernize the regulation but raises concerns about potential increases in fraud risk due to proposed changes, such as reducing hold times for deposits and altering notice requirements for nonpayment. Navy Federal advocates for maintaining current hold periods and suggests modifications to indemnity provisions related to Remote Deposit Capture to enhance fraud prevention.

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