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Regulation Q ceilings for savings accounts and all other types of accounts except for demand deposits were phased out during the period 1981-1986 by the Depository Institutions Deregulation and Monetary Control Act of 1980; as of March 31, 1986, all interest rate ceilings had been eliminated except for the ban on demand deposit interest, which was then the only remaining substantive component of Regulation Q.
Advanzia bank S.A was established in Luxembourg in 2005 subject to CSSF supervision, specializing in euro savings accounts and no-fee credit cards.
It added savings accounts, overdrafts, revolving credit accounts, credit and debit cards, and was instrumental in the formation of the LINK ATM consortium of smaller banks and building societies which led the commercial clearing banks to begin linking their own networks which they had hitherto refused to do.
Instead, as Edward Beiser and Jacob Appel have separately argued, health insurers are better thought of as low-risk money managers who pocket the interest on what are really long-term healthcare savings accounts.
The Savings Accounts and Health in Pregnancy Grant Act 2010 (c. 36) is an Act of the Parliament of the United Kingdom.