Ingested titles 12–51 and 54 from OLRC USLM XML @119-100 (the whole Code now, uniform edition; Title 53 is reserved/empty). LegalText 11,221 -> 59,740; repo total 105,704 records. Deterministic (byte-identical rerun, verified on Title 42's 8,356 sections); make check green. make legal-us-code default now covers every title. Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>
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| LegalText | 12 U.S.C. § 4007 | Effect on State law | us | united_states_code | code_section | 12 | BANKS AND BANKING | 41 | EXPEDITED FUNDS AVAILABILITY | 4007 | 12 U.S.C. § 4007 | current | 119-100 | 2026-06-26 | official | https://uscode.house.gov/download/releasepoints/us/pl/119/100/xml_usc12@119-100.zip | /us/usc/t12/s4007 | data/legal/raw/us/code/title-12/usc12.xml | 8a3f4aeeaaf8fc52f57bfc8014be3df0035575c50ac89a8b9884567ff57fcab6 | e6b98700ef4156ac33fde5d105824845d727afa91a53f3762be2cf4d1a3b01fa | 893de538ac051716f9630836a1c4f37cdf877ac72ef4aa616fb2d4ad5ddcd183 | 2026-07-04 | official |
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12 U.S.C. § 4007 - Effect on State law
Text
(a) In general Any law or regulation of any State in effect on September 1, 1989, which requires that funds deposited or received for deposit in an account at a depository institution chartered by such State be made available for withdrawal in a shorter period of time than the period of time provided in this chapter or in regulations prescribed by the Board under this chapter (as in effect on September 1, 1989) shall—
(1) supersede the provisions of this chapter and any regulations by the Board to the extent such provisions relate to the time by which funds deposited or received for deposit in an account shall be available for withdrawal; and
(2) apply to all federally insured depository institutions located within such State.
(b) Override of certain State laws Except as provided in subsection (a), this chapter and regulations prescribed under this chapter shall supersede any provision of the law of any State, including the Uniform Commercial Code as in effect in such State, which is inconsistent with this chapter or such regulations.
(Pub. L. 100–86, title VI, § 608, Aug. 10, 1987, 101 Stat. 647.)