FED가 savings account 6번 출금 제한을 없앴습니다. 그러나 과연 바뀔지는?

The Federal Reserve Board on Friday announced an interim final rule to amend Regulation D (Reserve Requirements of Depository Institutions) to delete the six-per-month limit on convenient transfers from the "savings deposit" definition. The interim final rule allows depository institutions immediately to suspend enforcement of the six transfer limit and to allow their customers to make an unlimited number of convenient transfers and withdrawals from their savings deposits at a time when financial events associated with the coronavirus pandemic have made such access more urgent.

The regulatory limit in Regulation D was the basis for distinguishing between reservable "transaction accounts" and non-reservable "savings deposits." The Board's recent action reducing all reserve requirement ratios to zero has rendered this regulatory distinction unnecessary.

Concurrently, the Federal Reserve is making temporary revisions to the FR 2900 series, FR Y-9, and FR 2886b reports to reflect the amendments to Regulation D.

The Board's Federal Register notices are attached.

For media inquiries, call 202-452-2955.

 

자세한 내용은
https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20200424a1.pdf

에 나와 있는데, 재미있는 것은 FED에서 하지 않겠다는 것이지, 은행에서 하지 말라고 강제화하지 않는다는 점이네요.
먼저 나서는 은행이 있어야 다른 은행도 따라서 움직이겠네요.

FAQ에 다음과 같이 나옵니다.

Q.1. Does the interim final rule require depository institutions to suspend enforcement of the six convenient transfer limit on accounts classified as “savings deposits”?

A.1. No. The interim final rule permits depository institutions to suspend enforcement of the six transfer limit, but it does not require depository institutions to do so.