To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions, to require customer consent before a depository institution may initiate overdraft protection services and fees, to enhance the information made available to consumers relating to overdraft protection services and fees, to prohibit systematic manipulation in the posting of checks and other debits to a depository account for the purpose of generating overdraft protection fees, and for other purposes.

Overview Sponsor: Rep. Carolyn Maloney [D-NY14]show cosponsors (14) Cosponsors: Gary Ackerman [D-NY5] Robert Andrews [D-NJ1] Julia Carson [D-IN7] Ed Case [D-HI2] Emanuel Cleaver [D-MO5] Barney Frank [D-MA4] Raul Grijalva [D-AZ7] Luis Gutiérrez [D-IL4] Barbara Lee [D-CA9] Carolyn McCarthy [D-NY4] William Pascrell [D-NJ8] Bernard Sanders [I-VT] Janice Schakowsky [D-IL9] Victor Snyder [D-AR2] Text: Summary | Full Text Status: Introduced Jul 27, 2005 Referred to Committee View Committee Assignments Reported by Committee (did not occur) House Vote (did not occur) Senate Vote (did not occur) Signed by President (did not occur) This bill never became law. This bill was proposed in a previous session of Congress. Sessions of Congress last two years, and at the end of each session all proposed bills and resolutions that haven't passed are cleared from the books. Members often reintroduce bills that did not come up for debate under a new number in the next session. Last Action: Aug 24, 2005: Referred to the Subcommittee on Financial Institutions and Consumer Credit. Related: See the Related Legislation page for other bills related to this one and a list of subject terms that have been applied to this bill. Sometimes the text of one bill or resolution is incorporated into another, and in those cases the original bill or resolution, as it would appear here, would seem to be abandoned.

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{{cite web
|url=http://www.govtrack.us/congress/bill.xpd?bill=h109-3449
|title=H.R. 3449
|accessdate=Feb 10, 2010
|author=109th Congress (2005)
|date=Jul 27, 2005
|work=Legislation
|publisher=GovTrack.us
|quote=Consumer Overdraft Protection Fair Practices Act
}}