Consumer Protection - As introduced, extends from five to 10 business days the period during which a financial service provider may refuse or delay financial transactions not involving securities due to suspected financial exploitation. - Amends TCA Title 45 and Title 47.

HB 2384 extends the timeframe financial service providers can delay or refuse non-securities transactions suspected of financial exploitation from five to ten business days. The bill directly affects consumers who may face temporary holds on their transactions due to suspected exploitation claims. It amends Tennessee Code Annotated Sections 45-2-1203(e)(2) and related provisions in Titles 45 and 47 to implement this change. The law would require providers to act within the new 10-day window before reinstating transactions, aiming to balance consumer protection with operational flexibility.