overdraft fees

Overdraft Revenue Dwindles: Tech Solutions Emerge Amid Regulatory Headwinds
Overdraft Revenue Dwindles: Tech Solutions Emerge Amid Regulatory Headwinds
September 24, 2024  |  Banking

Last year, overdraft fees charged by banks — representing a revenue stream tied to account use — slipped by 24% to $5.8 billion. The industry...

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CFPB Issues Guidance Targeting Banks’ ‘Phantom Opt-In Agreements’
CFPB Issues Guidance Targeting Banks’ ‘Phantom Opt-In Agreements’
September 17, 2024  |  Bank Regulation

The Consumer Financial Protection Bureau (CFPB) aims to stop banks from charging overdraft fees based on what it calls “phantom opt-in agreements” — cases in...

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Canada’s Federal Budget Aims to Curb Overdraft Fees
Canada’s Federal Budget Aims to Curb Overdraft Fees
April 18, 2024  |  Bank Regulation

Canada’s federal budget, released this week, includes a proposal to limit the fees that banks charge customers for overdrawing their accounts. This move is expected...

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Proposed California Law Could Cap CU Overdraft Fees
Proposed California Law Could Cap CU Overdraft Fees
April 10, 2024  |  Credit Unions

California state lawmakers are considering legislation that would limit the number of overdraft fees credit unions (CUs) can charge their members. Under SB-1075, the 100+ CUs...

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CFPB Rule on Late Fees May Hamper Banks’ Ability to Innovate
CFPB Rule on Late Fees May Hamper Banks’ Ability to Innovate
March 05, 2024  |  Banking

Call it a form of fixed pricing in the banking industry. Financial services are joining the ranks of segments, such as pharma, where there are...

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Big Banks See Overdraft Fee Revenues Fall 25%
Big Banks See Overdraft Fee Revenues Fall 25%
February 11, 2024  |  Banking

America’s three biggest consumer banks saw their overdraft fee revenues fall 25% in 2023. J.P. Morgan Chase, Bank of America and Wells Fargo collected $2.2 billion in total in those...

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CFPB Says Overdraft Fees Are Junk Fees — But Are They?
CFPB Says Overdraft Fees Are Junk Fees — But Are They?
January 17, 2024  |  Bank Regulation

Labels are popular on Capitol Hill. And this week the labels are flying fast and furiously, aimed at big banks and credit unions. The Consumer...

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CFPB Moves to Close ‘Outdated’ Bank Overdraft Loophole
CFPB Moves to Close ‘Outdated’ Bank Overdraft Loophole
January 17, 2024  |  Bank Regulation

The White House wants to limit the overdraft fees banks can charge customers. To that end, the U.S. Consumer Financial Protection Bureau (CFPB) on Wednesday (Jan. 17)...

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Smaller Banks Warn of ‘Significant Impact’ From CFPB’s Proposed Overdraft Fee Regulation
Smaller Banks Warn of ‘Significant Impact’ From CFPB’s Proposed Overdraft Fee Regulation
January 04, 2024  |  Bank Regulation

The calendar has barely turned to a new year — and the Consumer Financial Protection Bureau (CFPB) has already had a fair share of criticism....

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