Institutions using Federal Reserve payment services manage their use of daylight overdrafts within the net debit caps the Federal Reserve's Payment System Risk policy sets for a single day and a two-week maintenance period, determined jointly with their Reserve Bank from their financial condition and operational capacity, knowing that ex post or real-time monitoring can lead to counselling, reduced caps, collateralisation or clearing balance requirements, rejection or delay of payments and other Reserve Bank action.
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.