The Overdraft Protection Act of 2009: hearing before the Committee on Financial Services, U.S. House of Representatives, One Hundred Eleventh Congress, first session, October 30, 2009
U.S. G.P.O., 2010 - Business & Economics - 188 pages
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Blaine Jim President North Carolina State Employees Credit Union
Halperin Eric Director Washington Oﬁice Center for Responsible Lending
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abusive account balance account holders Americans amount annual percentage rate ATM transactions bank customers bank’s Bankers beneﬁt bill billion BLAINE Center for Responsible checking account CLEAVER Committee community banks Consumer Reports National Consumers Union cost credit card credit union debit card transactions denied deposit disclosures dollar FDIC FEDDIS Federal Credit Union Federal Reserve ﬁnancial institutions ﬁnd ﬁrst HALPERIN incurred Justin largest banks legislation Lending Act limit line of credit Madam Chairwoman MALONEY merchant NAFCU National Research Center notiﬁcation NSF fee number of overdraft October 30 opt-in opt-out option overdraﬁ overdraft coverage overdraft fees overdraft loans overdraft programs Overdraft Protection Act overdraft protection programs overdraft services paid payday loan payment percent point of sale processing proﬁts purchase Ranking Member Bachus Regulation regulatory Reports National Research require Responsible Lending SECU signiﬁcant sumers Thank transaction accounts transfer trigger Truth in Lending