Overdraft Lending: Very Large Financial Institutions
Resources to help industry understand, implement, and comply with the overdraft provisions for very large financial institutions.
Featured topic
On December 12, 2024, the CFPB issued a final rule that newly applies certain provisions of Regulations Z and E to very large financial institutions’ overdraft credit unless the fees imposed on consumers for using the overdraft credit is at or below the institution’s costs and losses.
Rule
Overdraft Lending: Very Large Financial Institutions Final Rule
Regulations and official interpretations
Browse Regulation E (12 CFR 1005) on: Interactive Bureau Regulations | eCFR
Browse Regulation Z (12 CFR 1026) on: Interactive Bureau Regulations | eCFR
The primary rule provisions specific to covered overdraft credit, and official interpretations, can be found in:
- § 1005.10, Preauthorized transfers
- Regulation Z (Subpart A)
- Regulation Z (Subpart B)
- Regulation Z (Subpart G)
General regulations
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Quick references
Executive summary
Executive Summary of the Overdraft Lending: Very Large Financial Institutions Rule
Other references
Unofficial Redline of the Overdraft Lending: Very Large Financial Institutions Final Rule
Additional materials for hybrid debit-credit cards
Credit card agreements and surveys
We maintain and provide access to resources where you can learn more about credit cards, including general credit card agreement terms and conditions and survey data about pricing and fees.