Right now you have (8) months to bank 100% of your points, and banked points can be transferred (I think the transfer rule helps them sell the one time use points)
These were the banking rules before the 2007 change:
“You can bank points at any time prior to the last 2 months of your use year. If you bank by 6 months before your use year date, you can bank 100% of your points. Three months from your use year, you can bank up to 50% of your points, and in the 10th month of your use year, you can bank up to 25% of your total. All points banked must be used in the following year (the year they were banked into)”
Some would point out they changed the banking window from 10 to 8 months.
The rule of 4 only currently applied for non-DVC bookings...but could they apply it to resale type restrictions?
“
The Rule of Four guideline is that you cannot book and travel on the Disney Collection (excluding hotels at
Disneyland Resort in California and Tokyo Disney Resort) and Concierge Collection vacations within the last 4 months of your Use Year.
However, you can travel in the last 4 months of your Use Year as long as you've booked your stay more than 4 months before the end of your Use Year.”