Overdraft Protection

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Overdraft Protection

Compliance Couriers

CFPB guidance targets “illegal junk fees” on bad check deposits, overdrafts

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CFPB rule limits overdraft credit practices & fees at largest financial institutions

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CFPB withdraws 67 guidance documents

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CFPB withdraws proposal to bar certain NSF fees, but warns it may try again

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Check your overdraft opt-in notice form after federal court decision

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Guidance addresses overdraft protection risks and adoption of arbitration agreements

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League joins “friend of the court” brief opposing OD rule

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League voices opposition to CFPB overdraft proposal

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Navy Federal ordered to refund members and banned from charging certain overdraft fees

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NCUA joins CFPB in warning against “unfair” overdraft & NSF fees

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NY FCU settles overdraft case for 5.2 million

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President signs resolution nullifying overdraft fee rule

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Texas federal court strikes down DOL overtime rule

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What is the status of pending federal regulations?

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Wisconsin credit unions threatened with overdraft lawsuits

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Federal Regulations

CFPB: 12 CFR 1005.17

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NCUA: 12 CFR 701.21(c)(3) & (8)

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NCUA: 12 CFR 707.11

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ii Releases

0101 Truth in Savings

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0120 Reg. E – Electronic Fund Transfers

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0169 Overdraft Protection Programs

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Letters to CUs

NCUA: Letter to Credit Unions No. 05-CU-03 – Overdraft Protection (Bounce Protection) Programs (February 2005)

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NCUA: Letter to Credit Unions No. 05-CU-21 – Overdraft (Courtesy Pay) Programs (December 2005)

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NCUA: Letter to Credit Unions No. 25-CU-01 – NCUA’s 2025 Supervisory Priorities (January 2025)

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Resources

FRB: Interagency Overdraft Services Consumer Compliance Discussion webinar (11/9/2016)

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