Data / Federal rules / 2024-29699
Overdraft Lending: Very Large Financial Institutions
The Consumer Financial Protection Bureau published this final rule in the Federal Register on December 30, 2024. It took effect on October 1, 2025.
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What the agency says
The Consumer Financial Protection Bureau (CFPB) amends Regulations E and Z to update regulatory exceptions for overdraft credit provided by very large financial institutions, thereby ensuring that these extensions of overdraft credit adhere to consumer protections required of similarly situated products, unless the overdraft fee is a small amount that only recovers estimated costs and losses. The rule allows consumers to better comparison shop across credit products and provides substantive protections that apply to other consumer credit.
Key facts
- Document number
- 2024-29699
- Type
- Final rule
- Action
- Final rule; official interpretation
- Agency
- Consumer Financial Protection Bureau
- Published
- December 30, 2024
- Takes effect
- October 1, 2025
- Dates
- Effective date: October 1, 2025.
- 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
- 78
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|---|---|---|
| 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 December 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.