,i  #aafth ,,congress  #b;d ,session    
,h4 ,r4 #fcjf  ,,in ,,the ,,house ,,of  
,,representatives  ,march #ai1 #bjbj,mr4
 ,hill of ,arkansas introduced the      
following bill2 which was referred to   
the ,committee on ,financial ,services  
,a ,,bill  ,to amend the ,expedited     
,funds ,availability ,act to temporarily
 require that certain funds deposited   
with depository institutions by existing
 customers be available for withdrawal  
in real time in ,states with a public   
health emergency1 and for other         
purposes4  #a4 ,short title ,this ,act  
may be cited as the ,immediate ,funds   
,availability ,act of #bjbj4  #b4       
,temporary requirement for real time    
availability of funds in ,states with a 
public health emergency ,the ,expedited 
,funds ,availability ,act 7#ab ,u4,s4,c4
 #djja et seq47 is amended-- 7#a7 by    
redesignating section #fac as section   
#fad2 and  7#b7 by inserting after      
section #fab the following3  #fac4      
,temporary requirement for real time    

availability of funds in ,states with a 
public health emergency  7a7 ,in general
 ,notwithstanding any other provision of
 this title and with respect to a       
depository institution located in a     
,state with a public health emergency1  
in any case in which cash or other funds
 are deposited in an account at a       
depository institution1 the first #a1ejj
 of such cash or funds shall be         
available for withdrawal in real time4  
7b7 ,applicable only to existing        
customers ,subsection 7a7 shall only    
apply to deposits made into an account  
of a customer of a depository           
institution if such customer has been a 
customer of the depository institution  
for at least #f months4  7c7 ,state with
 a public health emergency defined ,in  
this section1 the term ,state with a    
public health emergency means a ,state  
with respect to which1 and during the   
period of time with respect to which1   
the ,governor of the ,state has notified
 the ,board 7and made such notice       

available to the public7 that the ,state
 is experiencing a public health        
emergency4  7d7 ,sunset ,this section   
shall have no force or effect after the 
end of the #c-year period beginning on  
the date of enactment of this section4  
4  #c4 ,sense of ,congress ,it is the   
sense of the ,congress that the ,board  
of ,governors of the ,federal ,reserve  
,system should consider moving to a     
same-day check settlement system        
7including weekends and holidays74