Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Expedited Funds 
Availability Dollar Limits Adjustment Act of 2008’’. 
SEC. 2. 1-TIME ADJUSTMENT OF DOLLAR AMOUNTS. 
(a) NEXT BUSINESS DAY AVAILABILITY.—Section 
603(a)(2)(D) of the Expedited Funds Availability Act (12 
U.S.C. 4002(a)(2)(D)) is amended by striking ‘‘$100’’ 
and inserting ‘‘$175’’. 
(b) CASH WITHDRAWAL DOLLAR LIMIT.—The first 
sentence of section 603(b)(3)(B) of the Expedited Funds 
Availability Act (12 U.S.C. 4002(b)(3)(B)) is amended by 
striking ‘‘$400’’ each place such term appears and insert-
ing ‘‘$700’’. 
(c) EFFECTIVE DATE.— 
(1) IN GENERAL.—The amendments made by 
subsections (a) and (b) shall apply after the end of 
the 1-year period beginning on the date of the enact-
ment of this Act. 
(2) REGULATIONS.—Before the end of the 1- 
year period described in paragraph (1), the Board of 
Governors of the Federal Reserve System shall pre-
scribe such regulations as may be necessary to im-
plement the amendments made by this section. 
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SEC. 3. SUBSEQUENT INDEXATION OF DOLLAR AMOUNTS. 
Section 607 of the Expedited Funds Availability Act 
(12 U.S.C. 4006) is amended by adding at the end the 
following new subsection: 
‘‘(f) ADJUSTMENT FOR INFLATION.— 
‘‘(1) IN GENERAL.—Before the end of the 6- 
year period beginning on the date of the enactment 
of the Expedited Funds Availability Dollar Limits 
Adjustment Act of 2008 and at least every 5 years 
after the expiration of such period, each dollar 
amount contained in sections 603(a)(2)(D) and 
603(b)(3)(B) shall be increased by an amount deter-
mined by the Board to be equal to— 
‘‘(A) such dollar amount, multiplied by 
‘‘(B) the cost-of-living adjustment for such 
period. 
‘‘(2) COST OF LIVING ADJUSTMENT.—For pur-
poses of paragraph (1), the cost-of-living adjustment 
for any period is the percentage (if any) by which— 
‘‘(A) the published annual value of the 
Consumer Price Index for the calendar year 
preceding the date of the determination by the 
Board under paragraph (1), exceeds 
‘‘(B) the published annual value of the 
Consumer Price Index for the calendar year 
2008. 
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‘‘(3) CONSUMER PRICE INDEX DEFINED.—For 
purposes of paragraph (2), the term ‘Consumer 
Price Index’ means the Consumer Price Index for 
all-urban consumers published by the Secretary of 
Labor. 
‘‘(4) ROUNDING.—If any increase determined 
under paragraph (1) is not a multiple of $25, such 
increase shall be rounded to the nearest multiple of 
$25. 
‘‘(5) PUBLICATION.—The Board shall publish 
the adjusted amount for each dollar amount deter-
mined under paragraph (1) in the Federal Register 
promptly upon making such determination. 
‘‘(6) EFFECTIVE DATE.—The adjusted amounts 
shall take effect at the end of the 120-day period be-
ginning on the date by which a determination is re-
quired under paragraph (1).’’. 
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Union Calendar No. 592 
110TH CONGRESS 
2D SESSION 
H. R. 6871 
[Report No. 110–917] 
A BILL 
To amend the Expedited Funds Availability Act to 
provide a 1-time adjustment in certain dollar 
amounts to account for inflation over the 21 
years since the enactment of such Act, to provide 
for future adjustments of such amounts on a reg-
ular basis, and for other purposes. 
DECEMBER 9, 2008 
Committed to the Committee of the Whole House on the 
State of the Union and ordered to be printed 
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