{"abstract":"Title XIV of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111-203 (the Dodd-Frank Act), charges the Bureau of Consumer Financial Protection (the CFPB or the Bureau) with regulating \"the offering and provision of consumer financial products or services under the Federal consumer financial laws.\" \\1\\ Specifically, the Dodd-Frank Act grants regulatory authority to the Bureau for the Electronic Funds Transfer Act,\\2\\ except with respect to section 920 of that Act, and the Truth in Savings Act,\\3\\ which taken together, in part, govern consumer transaction accounts. Accordingly, the Bureau is reviewing existing regulations and supervisory guidance issued by various regulators pertaining to the use of overdraft programs by financial institutions. To support this review, the Bureau seeks information from the public on the impact of overdraft programs on consumers. ---------------------------------------------------------------------------","action":"Notice and request for information.","agencies":[{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2012/02/28/2012-4576.html","cfr_references":[],"citation":"77 FR 12031","comment_url":null,"comments_close_on":"2012-04-30","correction_of":null,"corrections":[],"dates":"Comments must be received on or before April 30, 2012 to be assured of consideration.","disposition_notes":null,"docket_ids":["Docket No. CFPB-2012-0007"],"dockets":[],"document_number":"2012-4576","effective_on":null,"end_page":12034,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2012/02/28/2012-4576.xml","html_url":"https://www.federalregister.gov/documents/2012/02/28/2012-4576/impacts-of-overdraft-programs-on-consumers","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2012-4576?publication_date=2012-02-28","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2012-02-28/2012-4576/mods.xml","not_received_for_publication":null,"page_length":4,"page_views":{"count":5716,"last_updated":"2026-09-22 00:15:09 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2012-02-28/pdf/2012-4576.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2012-04576.pdf?1330350443","publication_date":"2012-02-28","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2012/02/28/2012-4576.txt","regulation_id_number_info":{},"regulation_id_numbers":[],"regulations_dot_gov_info":{"supporting_documents":[],"comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=CFPB-2012-0007","supporting_documents_count":0,"docket_id":"CFPB-2012-0007","regulation_id_number":null,"title":"Impacts of overdraft programs on consumers","checked_regulationsdotgov_at":"2012-05-02T05:01:28Z"},"regulations_dot_gov_url":null,"significant":null,"signing_date":null,"start_page":12031,"subtype":null,"title":"Impacts of Overdraft Programs on Consumers","toc_doc":"Impacts of Overdraft Programs on Consumers","toc_subject":null,"topics":[],"type":"Notice","volume":77}