The expeditious return (§§ 229.31(b) and 229.32(b) ), notice of nonpayment (§ 229.31(c) ), and same-day settlement (§ 229.36(d) ) requirements of this subpart do not apply to a check drawn upon the United States Treasury, to a U.S. Postal Service money order, or to a check drawn on a state or a unit of general local government that is not payable through or at a bank.
12 C.F.R. §229.42