---
title: "Reg CC Funds-Availability Calculator"
method: POST
path: "/v1/tools/calculate_regcc_availability"
tags: ["regulation cc", "12 cfr 229", "funds availability", "check hold", "large deposit exception", "new account exception", "business days", "banking operations", "deposit compliance", "zero-PII"]
---

# Reg CC Funds-Availability Calculator

`POST /v1/tools/calculate_regcc_availability`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/calculate_regcc_availability`
- Auth: none declared

Reference table of the Regulation CC (12 CFR 229) dollar thresholds frozen to their 2030 inflation-adjusted values, plus hold-schedule date math: given a deposit date and deposit type, computes the funds-availability date using configurable business-day counts. Reference figures and day-counts must be re-verified against the current Federal Register notice and 12 CFR 229 Subpart B before compliance use.

**Tool URL:** https://ainumbers.co/tools/569-regcc-availability-calculator.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `deposit_date` string, required: YYYY-MM-DD
  - `deposit_type` string, required

## Response `200`

Successful tool execution result

- object
  - `availability_date` string, required
  - `business_days_added` integer, required
  - `deposit_type` string, required
  - `skipped_dates` string[]
  - `receipt` object: OCG check receipt (policy_parameters, output_payload, execution_hash)

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)