You've asked a question which is approximately "What is a garbage collector?" in terms of depth. Here's the short answer: it's a regulation about electronic fu

You've asked a question which is approximately "What is a garbage collector?" in terms of depth. Here's the short answer: it's a regulation about electronic funds transfers that US financial institutions, including every bank which offers Zelle, are obligated to uphold. There is a longer version of this answer; your life will probably not be materially improved by knowing it, but you can Google and read at your leisure.