; (B) in paragraph (1)— (i) by striking Except as provided in subsection (e) and in section 604, in and inserting In ; and (ii) in the matter following subparagraph (B) by striking not later than the business day after the business day on which and inserting in real-time when ; and (C) in paragraph (2), in the matter preceding subparagraph (A), by striking not later than the business day after the business day on which and inserting in real-time after ; and (2) by striking subsection (b) and inserting the following: (b) Permanent Schedule Funds deposited in an account at a depository institution by a check drawn on a local or nonlocal originating depository institution shall be available for withdrawal in real-time. ; (3) by striking subsection (c); (4) by striking subsection (d); (5) by redesignating subsections (e) and (f) as subsections (c) and (d), respectively; (6) in subsection (c), as redesignated by paragraph (5)— (A) in paragraph (1)— (i) in subparagraph (A)— (I) by striking Not more than 4 business days shall intervene between the business day a and inserting A ; (II) by inserting a comma after subparagraph (B) ; (III) by striking is ; and (IV) by striking and the business day on which funds from such deposit are available for withdrawal and inserting shall be available for withdrawal in real-time ; and (ii) in subparagraph (B), in the subparagraph heading, by striking paragraph and inserting subparagraph ; and (B) in paragraph (2)— (i) by striking , (b), and (c) and inserting and (b) ; and (ii) in the paragraph heading, by striking temporary and permanent schedules and inserting permanent schedule ; and (7) in subsection (d)(2), as redesignated by paragraph (5), by striking (c), or (e) and inserting or (c) . (c) Safeguard exceptions Section 604 of the Expedited Funds Availability Act ( 12 U.S.C. 4003 ) is amended— (1) in subsection (a)— (A) in paragraph (1)— (i) in the paragraph heading by striking Next business day and inserting Real-time