3.0.0
4277
2023-03-08T19:58:39Z
2023-03-08T19:58:39Z
House
HR
2021-06-30
117
[Congressional Record Volume 167, Number 114 (Wednesday, June 30, 2021)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mrs. CAROLYN B. MALONEY of New York:H.R. 4277.Congress has the power to enact this legislation pursuantto the following:Article 1, Section 8[Page H3581]
- hsba00
Financial Services Committee
House
Standing
  - Markup by
2022-07-27T21:02:49Z
  - Referred to
2021-06-30T16:00:35Z

- Stop Overdraft Profiteering Act of 2021
117
2677
S
2022-05-04
Committee on Banking, Housing, and Urban Affairs. Hearings held.
  - Related bill
CRS
- 2022-07-27
  - hsba00
Financial Services Committee
1
House committee actions
Ordered to be Reported in the Nature of a Substitute (Amended) by the Yeas and Nays: 27 - 22.
Committee
- 2022-07-27
  - hsba00
Financial Services Committee
1
House committee actions
Committee Consideration and Mark-up Session Held.
Committee
- 2021-06-30
Referred to the House Committee on Financial Services.
IntroReferral
H11100
2
House floor actions
  - hsba00
Financial Services Committee
- 2021-06-30
Introduced in House
IntroReferral
Intro-H
9
Library of Congress
- 2021-06-30
Introduced in House
IntroReferral
1000
9
Library of Congress
- M000087
Rep. Maloney, Carolyn B. [D-NY-12]
CAROLYN
MALONEY
D
NY
B.
12
N
- C001072
Rep. Carson, Andre [D-IN-7]
Andre
Carson
D
IN
7
2021-06-30
True
- C001084
Rep. Cicilline, David N. [D-RI-1]
David
Cicilline
D
RI
N.
1
2021-06-30
True
- C001068
Rep. Cohen, Steve [D-TN-9]
Steve
Cohen
D
TN
9
2021-06-30
True
- D000096
Rep. Davis, Danny K. [D-IL-7]
DANNY
DAVIS
D
IL
K.
7
2021-06-30
True
- F000454
Rep. Foster, Bill [D-IL-11]
Bill
Foster
D
IL
11
2021-06-30
True
- G000586
Rep. Garcia, Jesus G. "Chuy" [D-IL-4]
Jesus
Garcia
D
IL
G.
4
2021-06-30
True
- G000587
Rep. Garcia, Sylvia R. [D-TX-29]
Sylvia
Garcia
D
TX
R.
29
2021-06-30
True
- G000551
Rep. Grijalva, Raúl M. [D-AZ-3]
Raúl
Grijalva
D
AZ
M.
3
2021-06-30
True
- H001081
Rep. Hayes, Jahana [D-CT-5]
Jahana
Hayes
D
CT
5
2021-06-30
True
- K000389
Rep. Khanna, Ro [D-CA-17]
Ro
Khanna
D
CA
17
2021-06-30
True
- L000586
Rep. Lawson, Al, Jr. [D-FL-5]
Al
Lawson
D
FL
5
2021-06-30
True
- L000562
Rep. Lynch, Stephen F. [D-MA-8]
Stephen
Lynch
D
MA
F.
8
2021-06-30
True
- M000312
Rep. McGovern, James P. [D-MA-2]
JAMES
MCGOVERN
D
MA
P.
2
2021-06-30
True
- M001160
Rep. Moore, Gwen [D-WI-4]
Gwen
Moore
D
WI
4
2021-06-30
True
- N000192
Rep. Newman, Marie [D-IL-3]
Marie
Newman
D
IL
3
2021-06-30
True
- N000147
Del. Norton, Eleanor Holmes [D-DC-At Large]
ELEANOR
NORTON
D
DC
HOLMES
0
2021-06-30
True
- P000604
Rep. Payne, Donald M., Jr. [D-NJ-10]
Donald
Payne
D
NJ
M.
10
2021-06-30
True
- R000606
Rep. Raskin, Jamie [D-MD-8]
Jamie
Raskin
D
MD
8
2021-06-30
True
- R000602
Rep. Rice, Kathleen M. [D-NY-4]
Kathleen
Rice
D
NY
M.
4
2021-06-30
True
- R000515
Rep. Rush, Bobby L. [D-IL-1]
BOBBY
RUSH
D
IL
L.
1
2021-06-30
True
- S001204
Del. San Nicolas, Michael F. Q. [D-GU-At Large]
Michael
San Nicolas
D
GU
F. Q.
0
2021-06-30
True
- S001145
Rep. Schakowsky, Janice D. [D-IL-9]
JANICE
SCHAKOWSKY
D
IL
D.
9
2021-06-30
True
- S000344
Rep. Sherman, Brad [D-CA-30]
BRAD
SHERMAN
D
CA
30
2021-06-30
True
- S001165
Rep. Sires, Albio [D-NJ-8]
Albio
Sires
D
NJ
8
2021-06-30
True
- S001201
Rep. Suozzi, Thomas R. [D-NY-3]
Thomas
Suozzi
D
NY
R.
3
2021-06-30
True
- T000472
Rep. Takano, Mark [D-CA-41]
Mark
Takano
D
CA
41
2021-06-30
True
- T000481
Rep. Tlaib, Rashida [D-MI-13]
Rashida
Tlaib
D
MI
13
2021-06-30
True
- T000486
Rep. Torres, Ritchie [D-NY-15]
Ritchie
Torres
D
NY
15
2021-06-30
True
- T000483
Rep. Trone, David J. [D-MD-6]
David
Trone
D
MD
J.
6
2021-06-30
True
- V000081
Rep. Velazquez, Nydia M. [D-NY-7]
NYDIA
VELAZQUEZ
D
NY
M.
7
2021-06-30
True
- E000297
Rep. Espaillat, Adriano [D-NY-13]
Adriano
Espaillat
D
NY
13
2021-07-01
False
- B000574
Rep. Blumenauer, Earl [D-OR-3]
EARL
BLUMENAUER
D
OR
3
2021-07-27
False
- O000172
Rep. Ocasio-Cortez, Alexandria [D-NY-14]
Alexandria
Ocasio-Cortez
D
NY
14
2021-07-27
False
- N000179
Rep. Napolitano, Grace F. [D-CA-32]
GRACE
NAPOLITANO
D
CA
F.
32
2021-09-03
False
- D000191
Rep. DeFazio, Peter A. [D-OR-4]
PETER
DEFAZIO
D
OR
A.
4
2021-09-17
False
- N000191
Rep. Neguse, Joe [D-CO-2]
Joe
Neguse
D
CO
2
2021-11-30
False
- W000800
Rep. Welch, Peter [D-VT-At Large]
Peter
Welch
D
VT
0
2021-12-14
False
- B001278
Rep. Bonamici, Suzanne [D-OR-1]
Suzanne
Bonamici
D
OR
1
2022-02-01
False
- T000469
Rep. Tonko, Paul [D-NY-20]
Paul
Tonko
D
NY
20
2022-02-02
False
- C001117
Rep. Casten, Sean [D-IL-6]
Sean
Casten
D
IL
6
2022-02-04
False
- W000822
Rep. Watson Coleman, Bonnie [D-NJ-12]
Bonnie
Watson Coleman
D
NJ
12
2022-02-15
False
- O000173
Rep. Omar, Ilhan [D-MN-5]
Ilhan
Omar
D
MN
5
2022-02-15
False
- L000551
Rep. Lee, Barbara [D-CA-13]
BARBARA
LEE
D
CA
13
2022-02-18
False
- J000306
Rep. Jones, Mondaire [D-NY-17]
Mondaire
Jones
D
NY
17
2022-02-22
False
- M001137
Rep. Meeks, Gregory W. [D-NY-5]
GREGORY
MEEKS
D
NY
W.
5
2022-03-30
False
- G000553
Rep. Green, Al [D-TX-9]
Al
Green
D
TX
9
2022-03-31
False
- B001313
Rep. Brown, Shontel M. [D-OH-11]
Shontel
Brown
D
OH
M.
11
2022-04-06
False
- E000215
Rep. Eshoo, Anna G. [D-CA-18]
ANNA
ESHOO
D
CA
G.
18
2022-05-10
False
- L000581
Rep. Lawrence, Brenda L. [D-MI-14]
Brenda
Lawrence
D
MI
L.
14
2022-05-10
False
- L000579
Rep. Lowenthal, Alan S. [D-CA-47]
Alan
Lowenthal
D
CA
S.
47
2022-06-07
False
- J000032
Rep. Jackson Lee, Sheila [D-TX-18]
SHEILA
JACKSON LEE
D
TX
18
2022-06-07
False
- P000617
Rep. Pressley, Ayanna [D-MA-7]
Ayanna
Pressley
D
MA
7
2022-06-07
False
- S001175
Rep. Speier, Jackie [D-CA-14]
Jackie
Speier
D
CA
14
2022-06-07
False
- K000382
Rep. Kuster, Ann M. [D-NH-2]
Ann
Kuster
D
NH
M.
2
2022-06-07
False
- B001300
Rep. Barragan, Nanette Diaz [D-CA-44]
Nanette
Barragan
D
CA
Diaz
44
2022-06-08
False
- T000482
Rep. Trahan, Lori [D-MA-3]
Lori
Trahan
D
MA
3
2022-06-13
False
- J000298
Rep. Jayapal, Pramila [D-WA-7]
Pramila
Jayapal
D
WA
7
2022-07-07
False
- B001292
Rep. Beyer, Donald S., Jr. [D-VA-8]
Donald
Beyer
D
VA
S.
8
2022-07-13
False
- M001188
Rep. Meng, Grace [D-NY-6]
Grace
Meng
D
NY
6
2022-07-14
False
- L000397
Rep. Lofgren, Zoe [D-CA-19]
ZOE
LOFGREN
D
CA
19
2022-07-15
False
- S001193
Rep. Swalwell, Eric [D-CA-15]
Eric
Swalwell
D
CA
15
2022-09-21
False
- C001080
Rep. Chu, Judy [D-CA-27]
Judy
Chu
D
CA
27
2022-09-29
False
- L000592
Rep. Levin, Andy [D-MI-9]
Andy
Levin
D
MI
9
2022-09-30
False
- S001218
Rep. Stansbury, Melanie Ann [D-NM-1]
Melanie
Stansbury
D
NM
Ann
1
2022-10-14
False
- D000623
Rep. DeSaulnier, Mark [D-CA-11]
Mark
DeSaulnier
D
CA
11
2022-10-14
False
- H001068
Rep. Huffman, Jared [D-CA-2]
Jared
Huffman
D
CA
2
2022-11-29
False
Finance and Financial Sector
- Administrative law and regulatory procedures
- Bank accounts, deposits, capital
- Banking and financial institutions regulation
- Congressional oversight
- Consumer Financial Protection Bureau
- Consumer affairs
- Consumer credit
- Government studies and investigations
- Marketing and advertising
- User charges and fees
Finance and Financial Sector
00
2021-06-30
Introduced in House
2022-01-05T20:36:29Z
Overdraft Protection Act of 2021
This bill prohibits a financial institution from engaging in unfair or deceptive acts in connection with overdraft coverage.
Each financial institution that offers overdraft coverage for accounts must disclose overdraft coverage fees. It must also disclose that
- the consumer's transaction may be declined if there are insufficient funds in the related account, and
- the consumer will not be charged a fee if such transaction is declined.
A financial institution must provide certain other disclosures regarding its overdraft protection program, including prompt notification of the account's overdraft status.
The bill limits the number of overdraft fees a consumer may be charged each month and year, and provides that such fees must be reasonable.
The bill prohibits an overdraft coverage fee if the overdraft results solely from a debit hold amount that exceeds the actual dollar amount of the transaction.
The bill also prohibits a financial institution from
- charging a non-sufficient fund fee for any automated teller machine or debit card transaction, or
- reporting negative information regarding consumer use of overdraft coverage to any consumer reporting agency when the overdraft amounts and coverage fees are paid under the terms of an overdraft coverage program.

Overdraft Protection Act of 2021
- Official Title as Introduced

To amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at financial institutions, and for other purposes.
Introduced in House
IH
- Display Title

Overdraft Protection Act of 2021
- Short Title(s) as Introduced

Overdraft Protection Act of 2021
Introduced in House
IH
- Introduced in House
2021-06-30T04:00:00Z
  - https://www.govinfo.gov/content/pkg/BILLS-117hr4277ih/xml/BILLS-117hr4277ih.xml
2022-07-27
Ordered to be Reported in the Nature of a Substitute (Amended) by the Yeas and Nays: 27 - 22.
text/xml
EN
Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.
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