News release: “The Federal Reserve Board on Thursday announced final rules that prohibit financial institutions from charging consumers fees for paying overdrafts on automated teller machine (ATM) and one-time debit card transactions, unless a consumer consents, or opts in, to the overdraft service for those types of transactions. Before opting in, the consumer must be provided a notice that explains the financial institution’s overdraft services, including the fees associated with the service, and the consumer’s choices. The final rules, along with a model opt-in notice, are issued under Regulation E, which implements the Electronic Fund Transfer Act.”

• Federal Register notice: Regulation E final rule
• Regulation E Highlights document
• Model Form A-9 / What You Need to Know about Overdrafts and Overdraft Fees
• Design and Testing of Overdraft Disclosures: Phase Two