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In-may 2011 the Treasury Department introduced a regulation that is new identifies exempt deposits, including Social protection advantages, once they show up on a bank worker’s screen, telling the financial institution why these funds is not garnished. « Before, the lender would typically state, ‘It’s maybe maybe not as much as us to choose whether funds are exempt.’ Chances are they’d get yourself a garnishment demand and freeze your bank account, » claims Jay Speer, executive manager regarding the Richmond-based Virginia Poverty Law Center. « You’d need to visit court to show these people were exempt.