h 82 55865 1236830400 false 1237435200 1456 846 111 400251

3/12/2009--Introduced.Consumer Overdraft Protection Fair Practices Act - Amends the Truth in Lending Act to set forth restrictions upon overdraft protection fees or services placed upon a consumer account in order to cover any debit due to insufficient funds in such account. Prohibits certain misrepresentations made by an institution that it will extend credit to cover all overdrafts. Prohibits specified advertising claims regarding overdraft protection programs or services, including any representation or statement encouraging use of the account as a service to: (1) meet short-term credit needs; or (2) obtain advances on a consumer's next payment of salary, wages, benefits, or other income. Authorizes the Board of Governors of the Federal Reserve System to restrict additional acts or practices the Board deems unfair or deceptive in connection with the offering, operation, and advertising of overdraft protection programs and services. Amends the Electronic Fund Transfer Act to set forth restrictions governing overdraft protection services and fees concerning payment of an electronic fund transfer initiated by the consumer at an automated teller machine (ATM) despite of a lack of sufficient funds in the consumer's account. Amends the Expedited Funds Availability Act to prohibit a depository institution from: (1) imposing overdraft protection fees for paying any check drawn on the account in spite of a lack of sufficient funds unless the account holder has affirmatively requested such service; or (2) engaging in a pattern or practice of delaying the posting of any deposit in an account, or manipulating the process of posting any check or other debit against an account, if such pattern or practice results in an overdraft that triggers payment of an overdraft protection fee.

1237435200 2009-03-19 Fri Nov 13 16:13:06 -0600 2009 introduced 55865 'act':6 'fair':4 'consum':1 'practic':5 'protect':3 'overdraft':2 70459 false short introduced 55865 'act':10 'fee':35,50,74 'may':29 'lend':9 'made':40 'post':57 'avail':41 'check':59 'debit':62 'initi':30 'relat':44 'truth':7 'consum':43 'custom':23 'enhanc':37 'extend':2 'inform':39 'provid':17 'purpos':69,78 'requir':22 'servic':16,33,48 'account':66 'consent':24 'generat':71 'manipul':54 'program':14 'protect':4,13,32,47,73 'institut':20,28 'prohibit':52 'systemat':53 'overdraft':12,31,46,72 'depositori':19,27,65 70237 false official action 55865 1237435200 Thu Mar 19 00:00:00 -0500 2009 191116 Referred to the Subcommittee on Financial Institutions and Consumer Credit. M000087 1948-02-19 6044 2331 Rayburn House Office Building http://maloney.house.gov/index.php?option=com_email_form&Itemid=73 14 202-225-4709 Carolyn 'd':4 'ny':5 '-14':6 'rep':1 'carolyn':2,7,9 'maloney':3,8,10 F 400251 Maloney Carolyn_B._Maloney B. Rep. Carolyn Maloney [D, NY-14] 2956 N00000078 7705 Democrat 202-225-7944 Presbyterian NY Carolyn Maloney 2.2 http://maloney.house.gov/ A000022 1942-11-19 4002 2243 Rayburn House Office Building http://www.house.gov/writerep 5 202-225-1589 Gary 'd':4 '-5':6 'ny':5 'rep':1 'gari':2,7,9 'ackerman':3,8,10 M 400003 Ackerman Gary_L._Ackerman L. Rep. Gary Ackerman [D, NY-5] 1758 N00001143 7494 Democrat 202-225-2601 Jewish NY Gary Ackerman 2.27272727272727 http://www.house.gov/ackerman/ C001037 1952-01-09 2483 1530 Longworth House Office Building http://www.house.gov/capuano/contact/email.shtml 8 202-225-9322 Michael 'd':4 '-8':6 'ma':5 'rep':1 'capuano':3,8,10 'michael':2,7,9 M 400063 Capuano Michael_E._Capuano E. Rep. Michael Capuano [D, MA-8] 937 N00000267 6963 Democrat 202-225-5111 Roman Catholic MA Mike Michael Capuano 3.83333333333333 http://www.house.gov/capuano/ D000210 1941-07-18 3324 2454 Rayburn House Office Building http://www.house.gov/writerep 10 202-225-5658 William 'd':4 'ma':5 '-10':6 'rep':1 'bill':9 'william':2,7,10 'delahunt':3,8,11 M 400102 Delahunt William_D._Delahunt D. Rep. William Delahunt [D, MA-10] 1721 Bill N00000280 7955 Democrat 202-225-3111 Catholic MA Bill William Delahunt 2.88888888888889 http://www.house.gov/delahunt/ repdelahunt E000288 1963-08-04 7050 1130 Longworth House Office Building http://ellison.house.gov/index.php?option=com_content&task=view&id=87 5 202-225-4886 Keith 'd':4 '-5':6 'mn':5 'rep':1 'keith':2,7,9 'ellison':3,8,10 M 412215 Ellison Keith_Ellison Rep. Keith Ellison [D, MN-5] 2078 N00028257 8989 Democrat 202-225-4755 MN Keith Ellison 6.05882352941176 http://ww3.house.leg.state.mn.us/members/members.asp?district=58B RepKeithEllison E000215 1942-12-13 2806 205 Cannon House Office Building https://forms.house.gov/eshoo/webforms/issue_subscribe.htm 14 202-225-8890 Anna 'd':4 'ca':5 '-14':6 'rep':1 'anna':2,7,9 'eshoo':3,8,10 F 400124 Eshoo Anna_G._Eshoo G. Rep. Anna Eshoo [D, CA-14] 1297 N00007335 7828 Democrat 202-225-8104 Catholic CA Anna Eshoo 2.8 http://eshoo.house.gov/ RepAnnaEshoo F000455 928 1009 Longworth House Office Building https://forms.house.gov/fudge/contact-form.shtml 11 202-225-1339 Marcia 'd':4 'oh':5 '-11':6 'rep':1 'fudg':3,8,10 'marcia':2,7,9 F 412327 Fudge Rep. Marcia Fudge [D, OH-11] 222 N00030490 2491 Democrat 202-225-7032 OH Marcia Fudge 5.0 http://fudge.house.gov/ G000551 1948-02-19 3572 1440 Longworth House Office Building http://grijalva.house.gov/?sectionid=49&sectiontree=2,49 7 202-225-1541 Raul 'd':4 '-7':6 'az':5 'rep':1 'raul':2,7,9 'grijalva':3,8,10 M 400162 Grijalva M. Rep. Raul Grijalva [D, AZ-7] 1741 N00025284 7445 Democrat 202-225-2435 Roman Catholic AZ Raul Grijalva 3.05882352941176 http://grijalva.house.gov/ H001034 1941-06-27 2189 1713 Longworth House Office Building http://honda.house.gov/contactmike.shtml 15 202-225-2699 Michael 'd':4 'ca':5 '-15':6 'rep':1 'mike':9 'honda':3,8,11 'michael':2,7,10 M 400185 Honda Michael_M._Honda M. Rep. Michael Honda [D, CA-15] 717 Mike N00012611 6455 Democrat 202-225-2631 Protestant CA Mike Michael Honda 3.7 http://honda.house.gov/ robpierson K000008 1937-04-02 5881 2188 Rayburn House Office Building http://kanjorski.house.gov/index.php?option=com_content&task=view&id=2&Itemid= 11 202-225-0764 Paul 'd':4 'pa':5 '-11':6 'rep':1 'paul':2,7,9 'kanjorski':3,8,10 M 400210 Kanjorski Paul_E._Kanjorski E. Rep. Paul Kanjorski [D, PA-11] 2442 N00001509 6530 Democrat 202-225-6511 Roman Catholic PA Paul Kanjorski 3.77777777777778 http://kanjorski.house.gov/ M001154 1953-05-19 1892 1722 Longworth House Office Building http://bradmiller.house.gov/?sectionid=17&sectiontree=9,17 13 202-225-0181 R. 'd':4 'r':7,10 'nc':5 '-13':6 'rep':1 'brad':9 'miller':3,8,11 'bradley':2 M 400280 Miller Brad_Miller Bradley Rep. Bradley Miller [D, NC-13] 584 Brad N00025093 7100 Democrat 202-225-3032 NC Brad R. Miller 2.875 http://www.house.gov/bradmiller/ MillerNC13 M000725 1945-05-17 8139 2205 Rayburn House Office Building http://georgemiller.house.gov/contactus/2007/08/post_1.html 7 202-225-5609 George 'd':4 '-7':6 'ca':5 'rep':1 'georg':2,7,9 'miller':3,8,10 M 400278 Miller George_Miller Rep. George Miller [D, CA-7] 4604 N00007390 9949 Democrat 202-225-2095 Catholic CA George Miller 2.1875 http://georgemiller.house.gov/ RepGeorgeMiller S001145 1944-05-26 2405 1027 Longworth House Office Building http://www.house.gov/schakowsky/contact.shtml 9 202-226-6890 Janice 'd':4 '-9':6 'il':5 'jan':9 'rep':1 'janic':2,7,10 'schakowski':3,8,11 F 400360 Schakowsky Janice_D._Schakowsky D. Rep. Janice Schakowsky [D, IL-9] 867 Jan N00004724 7811 Democrat 202-225-2111 Jewish IL Jan Janice Schakowsky 2.81818181818182 http://www.house.gov/schakowsky JanSchakowsky S000248 1943-10-24 2263 2227 Rayburn House Office Building http://serrano.house.gov/Forms/Contact.aspx 16 202-225-6001 José 'd':4 'ny':5 '-16':6 'rep':1 'jose':9 'josé':2,7 'serrano':3,8,10 M 400366 Serrano E. Rep. José Serrano [D, NY-16] 446 N00001813 10719 Democrat 202-225-4361 Roman Catholic NY Jose Serrano 0.514705882352941 http://www.house.gov/serrano/ S001175 1950-05-14 1923 2413 Rayburn House Office Building http://speier.house.gov/IMA/issue_subscribe.htm 12 202-347-0956 Jackie 'd':4 'ca':5 '-12':6 'rep':1 'jacki':2,7,9 'speier':3,8,10 F 412259 Speier Jackie_Speier Rep. Jackie Speier [D, CA-12] 662 N00029649 2935 Democrat 202-225-3531 CA Jackie Jackie Speier 5.0 http://speier.house.gov/index.shtml T000266 1951-09-18 3297 2238 Rayburn House Office Building http://www.house.gov/tierney/IMA/email.shtml 6 202-225-5915 John 'd':4 '-6':6 'ma':5 'rep':1 'john':2,7,9 'tierney':3,8,10 M 400407 Tierney John_F._Tierney F. Rep. John Tierney [D, MA-6] 1566 N00000226 6260 Democrat 202-225-8020 MA John Tierney 2.14285714285714 http://tierney.house.gov/ V000128 1959-01-10 2070 1707 Longworth House Office Building http://vanhollen.house.gov/HoR/MD08/Contact+Information/Web+Contact/Contact+Form.htm 8 202-225-0375 Christopher 'd':5 '-8':7 'md':6 'rep':1 'van':3,9,13 'chris':11 'hollen':4,10,14 'christoph':2,8,12 M 400415 Van Hollen Chris_Van_Hollen Rep. Christopher Van Hollen [D, MD-8] 1034 Chris N00013820 7832 Democrat 202-225-5341 Episcopalian MD Chris Christopher Van Hollen 1.1 http://vanhollen.house.gov action 55865 1237435200 Thu Mar 19 00:00:00 -0500 2009 191116 Referred to the Subcommittee on Financial Institutions and Consumer Credit. action 55865 1237435200 Thu Mar 19 00:00:00 -0500 2009 191117 Subcommittee Hearings Held. action 55865 1236830400 Thu Mar 12 00:00:00 -0500 2009 188317 Sponsor introductory remarks on measure. (CR E663) action 55865 1236830400 Thu Mar 12 00:00:00 -0500 2009 187700 Referred to the House Committee on Financial Services. introduced 55865 1236830400 Thu Mar 12 00:00:00 -0500 2009 187699