Regulatory Efficiency for Depository Institutions Act

[AI summary unavailable — showing source text] Title I: Community Reinvestment Act Amendments - Regulatory Efficiency For Depository Institutions Act - Amends the Community Reinvestment Act of 1977 to provide that a regulated financial institution that receives a written rating of "satisfactory" or better by a Federal depository institutions regulatory agency with respect to its record of meeting the community's low-and-moderate income credit needs shall not be subject to any further such evaluation during the two-year period beginning on the date of the evaluation's public disclosure. Exempts certain small-sized institutions from the requirements of such Act. Prohibits a Federal financial supervisory agency from requiring a regulated financial institution to prepare certain community credit needs data that duplicate information submitted under the Home Mortgage Disclosure Act of 1975. Title II: Expedited Funds Availability and Electronic Transfers - Amends the Expedited Funds Availability Act with respect to: (1) availability schedules; (2) deposits into shared automated teller machines (ATMs); (3) new accounts; (4) next day availability schedule exceptions; and (5) Federal Reserve Board jurisdiction to impose risks of loss an…