{"abstract":"The Consumer Financial Protection Bureau (CFPB) amends Regulations E and Z to update regulatory exceptions for overdraft credit provided by very large financial institutions, thereby ensuring that these extensions of overdraft credit adhere to consumer protections required of similarly situated products, unless the overdraft fee is a small amount that only recovers estimated costs and losses. The rule allows consumers to better comparison shop across credit products and provides substantive protections that apply to other consumer credit.","action":"Final rule; official interpretation.","agencies":[{"raw_name":"Consumer Financial Protection Bureau","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/2024/12/30/2024-29699.html","cfr_references":[{"chapter":null,"citation_url":null,"part":"1005","title":12},{"chapter":null,"citation_url":null,"part":"1026","title":12}],"citation":"89 FR 106768","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"Effective date: October 1, 2025.","disposition_notes":null,"docket_ids":["Docket No. CFPB-2024-0002"],"dockets":[{"supporting_documents":[],"agency_name":"CFPB","documents":[{"comment_count":0,"comment_start_date":"2024-12-30","updated_at":"2024-12-30T09:58:06.476-05:00","comment_url":"https://www.regulations.gov/commenton/CFPB-2024-0002-48036","allow_late_comments":false,"id":"CFPB-2024-0002-48036","comment_end_date":null,"regulations_dot_gov_open_for_comment":false}],"supporting_documents_count":0,"id":"CFPB-2024-0002","title":"Overdraft Lending: Very Large Financial Institutions"}],"document_number":"2024-29699","effective_on":"2025-10-01","end_page":106845,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2024/12/30/2024-29699.xml","html_url":"https://www.federalregister.gov/documents/2024/12/30/2024-29699/overdraft-lending-very-large-financial-institutions","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2024-29699?publication_date=2024-12-30","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2024-12-30/2024-29699/mods.xml","not_received_for_publication":null,"page_length":78,"page_views":{"count":4844,"last_updated":"2026-08-24 22:15:11 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-12-30/pdf/2024-29699.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-29699.pdf?1735307118","publication_date":"2024-12-30","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2024/12/30/2024-29699.txt","regulation_id_number_info":{"3170-AA42":{"issue":"202410","html_url":"https://www.federalregister.gov/regulations/3170-AA42/overdraft-lending-very-large-financial-institutions-","title":"Overdraft Lending: Very Large Financial Institutions ","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=202410&RIN=3170-AA42&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"}},"regulation_id_numbers":["3170-AA42"],"regulations_dot_gov_info":{"supporting_documents":[],"regulatory_plan":{"html_url":"https://www.federalregister.gov/regulations/3170-AA42/overdraft-lending-very-large-financial-institutions-","title":"Overdraft Lending: Very Large Financial Institutions "},"comments_count":0,"agency_id":"CFPB","comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=CFPB-2024-0002","supporting_documents_count":0,"docket_id":"CFPB-2024-0002","document_id":"CFPB-2024-0002-48036","regulation_id_number":"3170-AA42","title":"Overdraft Lending: Very Large Financial Institutions","checked_regulationsdotgov_at":"2024-12-31T14:00:07Z"},"regulations_dot_gov_url":null,"significant":false,"signing_date":null,"start_page":106768,"subtype":null,"title":"Overdraft Lending: Very Large Financial Institutions","toc_doc":"Very Large Financial Institutions","toc_subject":"Overdraft Lending","topics":["Advertising","Banks, banking","Consumer protection","Credit","Credit unions","Electronic funds transfers","Mortgages","Reporting and recordkeeping requirements","Savings associations"],"type":"Rule","volume":89}