I 116th CONGRESS 1st Session H. R. 3951 IN THE HOUSE OF REPRESENTATIVES July 24, 2019 Ms. Pressley (for herself and Mr. García of Illinois ) introduced the following bill; which was referred to the Committee on Financial Services A BILL To amend the Expedited Funds Availability Act to require that funds deposited be available for withdrawal in real time and to require the Board of Governors of the Federal Reserve System to create a real time payment system, and for other purposes.