H.R.946 - Consumer Overdraft Protection Fair Practices Act

To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions, to require customer consent before a depository institution may initiate overdraft protection services and fees, to enhance the information made available to consumers relating to overdraft protection services and fees, to prohibit systematic manipulation in the posting of checks and other debits to a depository account for the purpose of generating overdraft protection fees, and for other purposes. view all titles (2)

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All Bill Titles

  • Official: To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions, to require customer consent before a depository institution may initiate overdraft protection services and fees, to enhance the information made available to consumers relating to overdraft protection services and fees, to prohibit systematic manipulation in the posting of checks and other debits to a depository account for the purpose of generating overdraft protection fees, and for other purposes. as introduced.
  • Short: Consumer Overdraft Protection Fair Practices Act as introduced.

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Introduced
 
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President
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02/07/07
 
 
 
 
 
 
 

Official Bill Text Comment on about 13 Pages

Official Summary

2/8/2007--Introduced.Consumer Overdraft Protection Fair Practices Act - Amends the Truth in Lending Act to set forth restrictions on: (1) overdraft protection programs or services for consumers; and (2) representations or statements with respect to such a program or service in any advertis
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Official Summary

2/8/2007--Introduced.
Consumer Overdraft Protection Fair Practices Act - Amends the Truth in Lending Act to set forth restrictions on:
(1) overdraft protection programs or services for consumers; and
(2) representations or statements with respect to such a program or service in any advertisement or promotion. Amends the Electronic Fund Transfer Act and the Expedited Funds Availability Act to set forth restrictions on overdraft protection programs or services for consumers.

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Recent News Coverage

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08/02/07
Dinged for being overdrawn

Consumer advocates and other proponents are urging Congress to pass HR 946, sponsored by US Reps. Carolyn Maloney of New York and Barney Frank of ...

Source: Press-Enterprise (subscription), CA
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07/19/07
A pitfall of debit cards is overdrawing your account -- and facing fee

In hopes of reducing overdraft fees, the CRL is supporting legislation (HR 946) sponsored by Representatives Carolyn Maloney, New York Democrat, ...

Source: Boston Globe, United States
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07/18/07
Accountability needed on debit cards

In hopes of reducing overdraft fees charged to consumers, the CRL is supporting legislation (HR 946) that would, among other things, require banks and ...

Source: Lawrence Journal World, KS
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Recent Blog Coverage

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02/09/09
H.R.946: Plain Writing Act of 2010 - U.S. Congress - OpenCongress

All Bill Titles. Short: Plain Writing Act of 2010 as enacted. Short: Plain Writing Act of 2010 as passed senate. Official: To enhance citizen access to Government information and services by establishing that Government ... -

Source: opencongress.org
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12/31/08
Maryland Consumer Rights Coalition blog: CFA seeks overdraft ...

Representative Carolyn Maloney’s H.R. 946 languished in the 109th Congress and should be a priority next session. The Federal Reserve’s proposed rules should be strengthened to require affirmative consumer choice, Truth in Lending Act ...

Source: Maryland Consumer Rights Coalition blog
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12/20/08
Third Estate Sunday Review: Carolyn Maloney works her ass off for ...

Congresswoman Carolyn Maloney, Chair of the Financial Institutions and Consumer Credit Subcommittee of the House Financial Services Committee and author of the Consumer Overdraft Protection Fair Practices Act ( H.R. 946), noted that the ...

Source: Third Estate Sunday Review
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