Home / Agencies / CFPB / 2022-23982
Final Rule

Consumer Financial Protection Circular 2022-06: Unanticipated Overdraft Fee Assessment Practices

Agency
CFPB
Document Number
2022-23982
Published
November 7, 2022
Effective Date
-

Abstract

The Consumer Financial Protection Bureau (Bureau or CFPB) has issued Consumer Financial Protection Circular 2022-06, titled, "Unanticipated Overdraft Fee Assessment Practices." In this Circular, the Bureau responds to the question, "Can the assessment of overdraft fees constitute an unfair act or practice under the Consumer Financial Protection Act (CFPA), even if the entity complies with the Truth in Lending Act (TILA) and Regulation Z, and the Electronic Fund Transfer Act (EFTA) and Regulation E?"

Federal Register Source

This document is published by the Office of the Federal Register, National Archives and Records Administration. Access the full regulatory text, preamble, and docket comments below.

View Full Text on FederalRegister.gov →

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Frequently Asked Questions

What is the 2022-23982 Federal Register document?
Document 2022-23982 is a Final Rule published by the Consumer Financial Protection Bureau in the Federal Register on November 7, 2022. The Consumer Financial Protection Bureau (Bureau or CFPB) has issued Consumer Financial Protection Circular 2022-06, titled, "Unanticipated Overdraft Fee Assessment Practices." In this Circular, the Bureau responds to the question, "Can the assessment of overdraft fees constitute an unfair act or practice under the Consumer Financial Protection Act (CFPA), even if the entity complies with the Truth in Lending Act (TILA) and Regulation Z, and the Electronic Fund Transfer Act (EFTA) and Regulation E?" View the original at https://www.federalregister.gov/documents/2022/11/07/2022-23982/consumer-financial-protection-circular-2022-06-unanticipated-overdraft-fee-assessment-practices.
Is document 2022-23982 an economically significant rule?
No. Document 2022-23982 is not classified as economically significant under Executive Order 12866. Economically significant rules require OIRA review and are estimated to have impacts of $100 million or more per year.

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