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HR 946 110th 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: January 29, 2008 See on congress.gov
Finance and Financial Sector Administrative procedureBank accountsBank depositsBank loans
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ChecksCommerceConsumer educationConsumer protectionContractsDeceptive advertisingElectronic funds transfersFederal Reserve SystemFeesFinance chargesLawScience, Technology, Communications
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This bill died when the 110th Congress ended
It never became law before the 110th Congress (2007–2008) 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 4 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Apr 12, 2007
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Feb 9, 2007
Sponsor introductory remarks on measure. (CR 2/12/2007 E306)
Feb 8, 2007
Referred to the House Committee on Financial Services.
Feb 8, 2007
Introduced in House
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 Latest action April 12, 2007

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 8
All 8 Democratic 8
D
Cohen, Steve
Tennessee · Jan 29, 2008
 D
Waters, Maxine
California · Sep 26, 2007
 D
Meeks, Gregory W.
New York · Sep 24, 2007
 D
Lynch, Stephen F.
Massachusetts · Sep 20, 2007
 D
Hirono, Mazie K.
Hawaii · Aug 1, 2007
 D
Lofgren, Zoe
California · Jul 23, 2007
 D
Doggett, Lloyd
Texas · Jul 18, 2007
 D
Davis, Danny K.
Illinois · Jul 17, 2007
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 946: Consumer Overdraft Protection Fair Practices Act. 110th Congress. Open America. https://openamerica.io/bill/110-HR-946/
MLA
"H.R. 946: Consumer Overdraft Protection Fair Practices Act." 110th Congress, 2026, Open America, https://openamerica.io/bill/110-HR-946/.
Bluebook (legal)
H.R. 946, 110th Cong. (2026), https://openamerica.io/bill/110-HR-946/.
Markdown link
[H.R. 946: Consumer Overdraft Protection Fair Practices Act](https://openamerica.io/bill/110-HR-946/)
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