(a) Financial institutions that delay availability shall review their policies and consider reducing the delay periods to the extent possible, consistent with prudent business practices.
(b) Financial institutions shall disclose to depositors in an effective manner as to their delayed availability policies.
(c) Financial institutions shall refrain from imposing unnecessary delays on all checks, particularly on social security and other government checks, deposited into established accounts beyond the time required to receive credit for the checks.
Structure Delaware Code
Chapter 9. REGULATIONS GOVERNING BUSINESS OF BANKS AND TRUST COMPANIES
Subchapter I. General Provisions
§ 901. Corporate charter to do business as bank or trust company.
§ 902. Certificate required to transact business or open place of business.
§ 903. Issuance of certificate to transact business.
§ 904. Reports to Commissioner.
§ 905. Reports by national banks, federal savings associations and out-of-state banks.
§ 906. Failure to make reports; penalty.
§ 908. Value at which assets shall be carried on books.
§ 908A. Bank distinct from bank insurance department or division.
§ 910. Investment limitations.
§ 911. Ownership of real estate used for transaction of business.
§ 912. Limitations upon loans on security of and purchase of own capital stock.
§ 913. Authority of national bank to act as fiduciary.
§ 914. Appointment of trust company as trustee.
§ 916. Preference of funds held on deposit.
§ 918. Limitations on pledging or hypothecating assets.
§ 923. Deposits in names of two or more persons.
§ 924. Bank deposit accounts in trust form.
§ 927. Penalty for false statements regarding financial condition.
§ 929. Tying arrangements prohibited.
§ 930. Right of cancellation of certain insurance.
§ 930A. Mandatory disclosure in bank insurance policies.
§ 931. Employee retirement pensions for savings banks and savings societies.
§ 932. Loans and securities insured by Federal Housing Administrator.
§ 933. Prize linked savings programs.
§ 936. International banking facilities.
§ 938. Transfer of fiduciary accounts.
§ 939. Negotiable instruments.
§ 940. Self-analysis privilege for depository institutions and affiliates.