Overdraft Protection | American Bankers Association

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Consumer Banking

Before opting-in, consumers receive a one-page, consumer-tested, government required, opt-in form that explains debit card overdrafts and less expensive options. Consumers who are currently covered by overdraft protection have the right to opt-out at any time without consequence or cost.

News

Data Bank
ABA Data Bank: How Banks Alert Customers About Potential Overdrafts
July 12, 2019
NewsByte
ABA: Overdraft Rule Empowers Consumers and Should Not Be Changed
July 01, 2019
NewsByte
FDIC Flags Overdraft Issues in Consumer Compliance Supervisory Highlights
June 13, 2019
NewsByte
CFPB Seeks Feedback on Regulatory Review, Overdraft Rule
May 13, 2019

Understanding Overdraft Options

The American Bankers Association outlines how overdrafts happen and what you can do to prevent them.

Related Training & Events

Reg E Overdrafts
Self Paced Training

ABA Resources

Report
Bank Overdraft Practices Survey Results
October 20, 2013
Report
ABA Survey of Frequent Users of Overdraft Services
October 01, 2013
Report
A New Framework for Overdraft Program Compliance
August 03, 2010
Report
Rules and Guidance on Overdraft Protection Programs
April 20, 2008

Key Fact

Inforgraphic on keeping payments safe

Who do Americans trust most to keep their payments safe?

VIEw Infographic

Policy Analysis & Advocacy Efforts

Comment Letter
Letter to FDIC re: Overdraft and Deposit Advance Guidance
October 10, 2018
Comment Letter
Web-Based Quantitative Testing of POS/ATM Overdraft Disclosure Forms
January 16, 2018
Comment Letter
Letter to the Bureau on its Overdraft Research Report, "Data Point: Frequent Overdrafters"
August 22, 2017
Staff Analysis
CFPB's Aug. 4 Study on Frequent Debit Overdraft Users
August 10, 2017

Current Issues

Preserving Overdraft Options

Related Acts & Regulations

Related Products

Our Experts

Jonathan J. Thessin

Senior Counsel

Regulatory Compliance

Contact Jonathan

Leslie T. Callaway

Director, Compliance Outreach & Development

Regulatory Compliance

Shelly Loftin

SVP, Retail Banking, Lending & Payments

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