Data / Federal rules / 2024-01095
Overdraft Lending: Very Large Financial Institutions
The Consumer Financial Protection Bureau published this proposed rule in the Federal Register on February 23, 2024. Comments closed on April 1, 2024.
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What the agency says
The Consumer Financial Protection Bureau (CFPB) proposes to amend Regulations E and Z to update regulatory exceptions for overdraft credit provided by very large financial institutions, thereby ensuring that extensions of overdraft credit adhere to consumer protections required of similarly situated products, unless the overdraft fee is a small amount that only recovers applicable costs and losses. The proposal would allow consumers to better comparison shop across credit products and provide substantive protections that apply to other consumer credit.
Key facts
- Document number
- 2024-01095
- Type
- Proposed rule
- Action
- Proposed rule; request for public comment
- Agency
- Consumer Financial Protection Bureau
- Published
- February 23, 2024
- Comments due
- April 1, 2024
- Dates
- Comments must be received on or before April 1, 2024.
- Docket
- Docket No. CFPB-2024-0002
- Regulation ID (RIN)
- 3170-AA42
- Code of Federal Regulations
- 12 CFR 1005; 12 CFR 1026
- Topics
- Advertising; Banks, banking; Consumer protection; Credit; Credit unions; Electronic funds transfers; Mortgages; Reporting and recordkeeping requirements; Savings associations
- Pages
- 57
Other documents from the Consumer Financial Protection Bureau
| Document | Type | Published |
|---|---|---|
| Request for Information Regarding Promoting Access to Mortgage Credit 2026-13834 | Proposed rule | Jul 9 |
| Financial Data Transparency Act Joint Data Standards 2026-12787 · significant | Final rule | Jun 25 |
| Equal Credit Opportunity (Regulation B); Special Purpose Credit Programs; Rescission 2026-12149 | Final rule | Jun 17 |
| Small Business Lending Under the Equal Credit Opportunity Act (Regulation B) 2026-08494 · significant | Final rule | May 1 |
| Equal Credit Opportunity Act (Regulation B) 2026-07804 · significant | Final rule | Apr 22 |
| Equal Credit Opportunity Act (Regulation B) C1-2025-19864 · significant | Proposed rule | Feb 25 |
| Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold 2026-00087 | Final rule | Jan 7 |
| Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold 2026-00085 | Final rule | Jan 7 |
Everything from the Consumer Financial Protection Bureau · Rules on advertising · Rules on banks, banking · Rules on consumer protection · Published in February 2024
Read from the Federal Register API, last updated 2026-10-23. The document on federalregister.gov is the official record; dates and dockets can change through later corrections. Free to reuse with credit to SpecStream under CC BY 4.0.