II 118th CONGRESS 1st Session S. 2348 IN THE SENATE OF THE UNITED STATES July 18, 2023 Mr. Van Hollen (for himself and Ms. Warren ) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs A BILL To amend the Expedited Funds Availability Act to require that funds deposited be available for withdrawal in real-time, and for other purposes.