Overdraft Payment Programs and Consumer Protection: FDIC Invites Comments on Overdraft Payment Supervisory Guidance
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Overdraft Payment Programs and Consumer Protection: FDIC Invites Comments on Overdraft Payment Supervisory Guidance

Filetype[PDF-796.08 KB]


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Details:

  • Publisher's site:
  • Corporate Authors:
    Federal Deposit Insurance Corporation (FDIC)
  • Description:
    The FDIC expects the institutions it supervises to closely monitor and oversee any overdraft payment programs they offer to consumers. Such oversight should include appropriate measures to mitigate risks, incorporating the best practices outlined in the attached 2005 Joint Guidance on Overdraft Protection Programs, and effective management of third-party arrangements. Management should be especially vigilant with respect to product over-use that may harm consumers, rather than providing them the protection against occasional errors or funds shortfalls for which the programs were intended. The FDIC is seeking comment on these supervisory expectations.
  • Subject:
  • Dataset Download URL:
  • Format:
    PDF
  • Release Date:
    08/11/2010
  • Update Date:
    11/26/2018
  • Withdrawn Date:
    12/01/2018
  • Agencies Involved:
    Federal Deposit Insurance Corporation (FDIC)
  • Fdic Employee Involved:
    Victoria Pawelski;Patricia I. Cashman;
  • Law Involved:
    Truth in Lending Act (TILA);Truth in Savings Act;Electronic Fund Transfer Act;Equal Credit Opportunity Act;Community Reinvestment Act (CRA);Federal Trade Commission Act (FTC Act);
  • Related Regulation:
    Regulation AA;Regulation Z;Regulation DD;Regulation E;
  • Source:
    FDIC Website
  • Memorandum To:
    FDIC-Supervised Institutions
  • FIL Number:
    FIL-47-2010
  • Main Document Checksum:
  • Download URL:
  • File Type:

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