A Legal Block is a portion of the account balance a customer reserves for a specific purpose.

Customers or banks can place Legal Blocks on accounts for a fixed period or indefinitely. On expiry, the system removes the legal block.

The available balance in a blocked account is the current balance minus the blocked amount. Customers require an override to withdraw from the legal block portion. The system requests an override when a debit transaction amount exceeds the available balance.

For example, if the account balance is 1000 currency units and the legal block is 500, a customer can only withdraw 500 units and requires an override to withdraw more than 500 units. When the customer withdraws more than 500, the system places the override request.

This topic contains the following subtopics:

• Create Legal Block
  This topic describes the systematic instructions to create legal blocks.
• Amend Legal Block
  This topic describes the systematic instructions to amend legal blocks.
• Close Legal Block
  This topic describes the systematic instructions to close legal blocks.