Delayed funds availability : hearing before the Subcommittee on Consumer Affairs of the Committee on Banking, Housing, and Urban Affairs, United States Senate, Ninety-seventh Congress, second session, to examine the extent to which depository institutions impose lengthy holds on customer check deposits, the reasons for the great disparity in the hold policies of depository institutions, and alternatives for shortening hold periods without increasing risk of loss from bad checks, March 10, 1982.