Understanding Overdraft Programs (Part 1)
FICO
SEPTEMBER 9, 2021
In the United States, a customer must opt-in to this service for debit and ATM card transactions (required by the 2010 update to Regulation E) and a flat fee is applied per the terms and conditions of the program offered by the bank. New leadership at the CFPB has indicated that OD is on the agenda for a possible rulemaking.
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