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HR 3449 109th Congress House

Consumer Overdraft Protection Fair Practices Act

Official title: To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions, to require customer co… Show full official titleShow less

Official title: To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions, to require customer consent before a depository institution may initiate overdraft protection services and fees, to enhance the information made available to consumers relating to overdraft protection services and fees, to prohibit systematic manipulation in the posting of checks and other debits to a depository account for the purpose of generating overdraft protection fees, and for other purposes.

Introduced: October 27, 2005 See on congress.gov
Finance and Financial Sector Administrative procedureBank accountsBank depositsBank loans
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ChecksCommerceCongressCongressional reporting requirementsConsumer educationConsumer protectionContractsDeceptive advertisingElectronic funds transfersFederal Reserve SystemFeesFinance chargesGovernmental investigationsLawScience, Technology, Communications
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This bill died when the 109th Congress ended
It never became law before the 109th Congress (2005–2006) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 3 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Aug 24, 2005
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Jul 27, 2005
Introduced in House
Jul 27, 2005
Referred to the House Committee on Financial Services.
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 Latest action August 24, 2005

Referred to the Subcommittee on Financial Institutions and Consumer Credit.

 Plain-English summary Congressional Research Service

Consumer Overdraft Protection Fair Practices Act - Amends the Truth in Lending Act to set forth restrictions on: (1) overdraft protection programs or services for consumers; and (2) representations or statements with respect to such a program or service in any advertisement or promotion.

Amends the Electronic Fund Transfer Act and the Expedited Funds Availability Act to set forth restrictions on overdraft protection programs or services for consumers.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
 Cosponsors 5
All 5 Democratic 3 Independent 1
SNYDER, VICTOR
· Dec 15, 2005
 D
Case, Ed
Hawaii · Dec 13, 2005
 D
Schakowsky, Janice D.
Illinois · Oct 27, 2005
 D
Cleaver, Emanuel
Missouri · Oct 7, 2005
 I
Sanders, Bernard
Vermont · Jul 27, 2005
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 3449: Consumer Overdraft Protection Fair Practices Act. 109th Congress. Open America. https://openamerica.io/bill/109-HR-3449/
MLA
"H.R. 3449: Consumer Overdraft Protection Fair Practices Act." 109th Congress, 2026, Open America, https://openamerica.io/bill/109-HR-3449/.
Bluebook (legal)
H.R. 3449, 109th Cong. (2026), https://openamerica.io/bill/109-HR-3449/.
Markdown link
[H.R. 3449: Consumer Overdraft Protection Fair Practices Act](https://openamerica.io/bill/109-HR-3449/)
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