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The NBA has chosen a methodology that reflects a) Tj /F7 14.53 Tf 0.72 -16.80 TD (multi-pronged approach to overdraft accommodation as it attempts to synthesize) Tj /F8 13.05 Tf -.24 -17.04 TD (the various methods in such a way that the ౦Ϸ can discern the common thread) Tj /F8 13.08 Tf 0.48 -17.04 TD (that connects the diversity of approaches, all designed to serve the needs of low-) Tj /F7 15.84 Tf 0.24 -17.04 TD (to-moderate income consumers. This would include the unbanked and the) Tj /F7 14.41 Tf 1.20 -17.04 TD (underbanked.) Tj /F9 10.13 Tf 0.48 -34.08 TD (While NBA banks recognize the need to protect consumers - oftentimes from the) Tj /F8 13.20 Tf 0.72 -17.28 TD (consequences of their own irresponsible choices - the Association also affirms a) Tj /F8 13.06 Tf 0.48 -17.04 TD (simple principle of our laissez-faire capitalist system: the market \(in this case, the) Tj /F8 12.88 Tf 0.24 -17.04 TD (choices of consumers\) should dictate the kinds of financial services and the prices) Tj /F7 15.49 Tf 0.24 -17.04 TD (for those services. Who tells Coca-Cola how much to charge for soda at the) Tj /F8 13.58 Tf 0.72 -17.28 TD (airport vending machine...is $1.50 too much? In addition, when banks or other) Tj /F7 11.70 Tf 119.04 -38.64 TD (1513 P Street, NW., Washington, D. C. 20005) Tj /F9 8.40 Tf 24.96 -13.92 TD (\(202\) 588-5432 Fax \(202\) 588-5443) Tj ET Q endstream endobj xref 0 10 0000000000 65535 f 0000000078 00000 n 0000000137 00000 n 0000000207 00000 n 0000000368 00000 n 0000041004 00000 n 0000000881 00000 n 0000000506 00000 n 0000000633 00000 n 0000000758 00000 n trailer << /Size 10 /Root 1 0 R >> startxref 44078 %%EOF % Page Description << /EndOffset 0000100527>> 1 0 obj << /Type /Catalog /Pages 2 0 R >> endobj 2 0 obj << /Type /Pages /Kids [3 0 R 10 0 R ] /Count 2 >> endobj 10 0 obj << /Type /Page /Parent 2 0 R /Resources 11 0 R /Contents 12 0 R /Rotate 0 /eCpyResolution 300 /MediaBox [0 0 611.76 790.80 ] >> endobj 11 0 obj << /XObject << /Im13 13 0 R>> /Font << /F14 14 0 R /F15 15 0 R /F16 16 0 R>> /ProcSet [/PDF /Text /ImageB /ImageC ] >> endobj 14 0 obj << /Type /Font /Subtype /Type1 /Name /F14 /BaseFont /Times-Roman /Encoding /WinAnsiEncoding >> endobj 15 0 obj << /Type /Font /Subtype /Type1 /Name /F15 /BaseFont /Helvetica /Encoding /WinAnsiEncoding >> endobj 16 0 obj << /Type /Font /Subtype /Type1 /Name /F16 /BaseFont /Courier /Encoding /WinAnsiEncoding >> endobj 13 0 obj << /Type /XObject /Subtype /Image /Name /Im13 /Width 2549 /Height 3295 /eCpyDPIX 300 /eCpyDPIY 300 /ImageMask true /Filter /CCITTFaxDecode /BitsPerComponent 1 /DecodeParms << /K -1 /Columns 2549 /Rows 3295>> /eCpyColor [0 0 0 ] /Decode [0 1 ] /Length 51121 >> stream nK/4wiOɾL;~`Ԓe?~sPa?Fƈ R:K6!M;pPM<&}Fc9nTHpXBCH6-Ep<#@܎# =3gif[k њG4 R`nҦA+&a[m^COPȨP9 &OM=b22ZqP2󨉄 &OдGmSn>iK)!g|3pM0M;DW z!(뾫A޹0L&]4TDw!a@a6pM~7v(4A`'NMa>@O_kRnV;d@YL$0Xz ^_07F%\i~ԏi M?tc|CQ pM0N>܄̈ʛv$??#H<&+I^[?3XBia5Oi㐮AN`M}G?c#v dvd $  ڪzv_}_KK#A i֨tGA =WW{uWֽ =8 " 0Sn 'tz~g`A Ba8#!'^ _~{#QֿcEtCMSn _W_}x7޿Q|@D0\ |d;OT~i ئ*̧G @4DyEBMӤ^ߵ?wjMB(L(L';AT=7Okos:Hf<'iQ#H>Vm_okk n5CN4FEUdOpCA!~6 }urde Aߪ#PAOI]?~ÏnXk  _4|HGTDXr!}7߿l5a+h/=+ b}i"uWR"uIa:@#-ۭ/:꺪iDk!1B]j]}~F[u܌ni5ڰ i7I7:u a[^ 5whB5Kmz[ |n{ DB> /k5a(݊kvAД DEuo'&~Ck0%؍^.=63Gqn-06iڿf]vr{ N""5UV +Fi ޯu{${bvA`׵ ԃ NM[V 1n!!#([J[[': A"#z߿놖ڶ {>v B?}m{^M!kjZ\5بݧBǠ4WV[O im}lՊi 4A Â֓\0M< V o]0EU샏}"-ckaaah0B70B5a/),kĶ;]}?[coM/D5+UC0 fiTX~WPd@8O %GZ‘nR" Α.~Z֓ÓxB?OAO?_ÖdKr40AG27Tnaq(4Ava==%tMMG!-zH5][[l5aM~K#22'Kzv ?E}DXMеץnA:?_ÑФ?wU?D_?}ֻՇj[dz.jm $_mVָk aR#(b⾿!_k~ OFA+][  5^ 7ͤVk H#mccam0B>']7} p Jմ+ݦLBB#  {!i80lU B!ڶHG_a;T웬0vr8| X`Gh V%6a8aظ 3l#M !K pDw $7x% mvas!tM -wj v ĸj`ܬ\0@Pn$d0@ 'tEL iu%j?20TMtGI&c &N4Wh2m&/鑂h i.C Ǻ~u8D` #'7!!,FM0XӐ$ xTW#`My f ӋAD~t}gtHAAaS֑.mLAz~~! 0X[I̓# :Bj.kRUg8E Ȉ ڦziYh6tx<'zH A }~*xeΡ+ò|d)àaz}HA&:Oڑ@. nhM;;ƌh04׾E$A}߯@_†%6hȨAN@0 z=4ij[ LnL "HA Z#ޭ/"?j wܷ?cch4^!7"! wIO* N"B>3Ap 0xTt_#zFToe &aiԄ&aM׿x?I{񷽬RA΁ M;OD[m"?^ߣ0?^E)\r=?󐮐  S_׷/n~3Gƃ$3t zq!\Ñ:xB M_}=v$ ]s# ta0DA鮜p=7M?ۯU/ouOH ~K㦲cfxN CM8Gt Uӫz[?G޻`¡'΂@L(A4Ht+94J]=dd^6:Ch0T vM4D^p6OOu^V6=ݧveG=bNa_}__Xam ~ ~aB !խ#"~pҺ޿e;qzZl0O:4w`M]]y?ȜBVKl0A!%!n_u^IT e:O޽:7m/0뮿[m/0Kxpڿ] {oᄝخ !=}_tzcA ȭ%UW_ג+Qpa/h4Ai >3hW4M"#Kaak `FҶVKkjhDakT}2?00Fo뿮[^I3z0B;~mb DDm?@K1T!" d? 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HDz8?xI 5i AdTAZ;PHe4-pSo^ h6Z$65LGIZZdAL)`[?꒿M4C iP{?PZYRS zYDFfux a5A*t))p9 Au ?~A םA 8A \Zj2MĹ%F"`a(Au?>%S"\`0 MV-!MOrA֖C:@RC.(L&,&#H `a=WZItzaW3aNj <"%I!B=v$;dHW^,'kZ"n@hm„*~A0ff ְ h'I.ֺ%^̊">Ha z QȆ:Bj֕=z몽~ *uZ:X:iAm/JBcuK_K* 0 d= M4O) 'K~*KKJWt8D33.!p WDXjڢ?:A Xkm%AuZ|)'0 iиzm҄E#%ݽ ON{J-/jxJ.A5sv8Ӑ].t'K8it׻◺K^\? oH 2(AH:OCI6H;7 % WPЅ_%]u_vވDD@ aju*IiU ](p_WUz# KW_zKB*A-u$ZU_붾m}%ߒ)K_]'z}%I'/z_ֺ_iz֪ү%t/Km F{i}R_N_^ֶQJbw[XOXmTzֶ~v8Ll{ _A]/]kk ^ᄺ7}[|6 |u}i4] W״w_ + ֿK]&0OKڭJh&_ȗB_Zۮ6O^8^zꪃAdc$^K_VOP0|mS[!P`DDG {Ү'L*iMhq%--ucW NWoot hXa0_zvWd/ M dk{o^ޫm {{KoKۿ^^{7; ~ x0kɏ!9a_GW߿m]{iHmaH7a*mw^~< [}\~m-Vҿ׵jZKc=XC+j#~i;̆</#DN&lgM^̩h*h” @_[Ik~^ujaKapEgx)鏷$ _L3k6 q[ {T / <WA|0*."x= ɾaaSDD0B- `ADDDDDD@ endstream endobj 19 0 obj << /Length 3139 >> stream q q 611.76 0.00 0.00 790.80 0.00 0.00 cm 0.00 0.00 0.00 rg /Im20 Do Q Q q BT 3 Tr /F21 14.37 Tf 141.12 705.12 TD (opportunities to inquire as to his current balance or available balance) Tj /F21 14.12 Tf 0.48 -17.04 TD (via the telephone, on-line banking, or directly callng the bank.) Tj /F21 14.15 Tf -72.00 -34.56 TD (Issue Three: There are essentially two levels of overdraft accommodation) Tj /F21 14.47 Tf 72.00 -16.56 TD (a\) Overdraft protection \(for higher dollar amounts that require credit) Tj /F21 14.40 Tf 0.24 -17.04 TD (qualifications\). This addresses safety and soundness issues related to) Tj /F22 13.06 Tf 0.00 -17.04 TD (what amounts to micro-lending; and) Tj /F22 13.70 Tf 0.96 -17.28 TD (b\) Overdraft protection that is simply a method of avoiding check-) Tj /F21 14.13 Tf 0.00 -17.04 TD (bouncing for lower dollar amounts - typically less than $300.00) Tj /F23 10.26 Tf -71.76 -34.56 TD (Issue Four: All NBA banks that participated in the drafting of this response) Tj /F22 14.37 Tf 72.48 -16.32 TD (reported that their customers are told that they must "opt-in" in) Tj /F21 14.50 Tf -.48 -17.04 TD (order to receive overdraft protection and can chose to "opt out".) Tj /F21 15.15 Tf -71.28 -34.80 TD (Issue Five: These banks also represented that their customers are informed of) Tj /F21 14.73 Tf 71.76 -16.56 TD (the various options at their disposal and are not limited to overdraft) Tj /F21 14.07 Tf 0.72 -17.04 TD (protection accom modations.) Tj /F23 10.12 Tf -71.52 -34.56 TD (Issue Six: These banks reported that they have compiled profiles on customers) Tj /F22 14.63 Tf 72.00 -16.56 TD (who use overdraft protection. Senior citizens, people on fixed) Tj /F21 14.84 Tf 0.48 -17.04 TD (incomes and those with minimum average daily balances are more) Tj /F22 13.14 Tf 0.24 -17.04 TD (likely to be extended overdraft protection.) Tj /F21 14.47 Tf -71.76 -35.04 TD (Issue Seven:Why overdraft fees are necessary. In addition to the operational cost) Tj /F21 15.69 Tf 72.24 -16.32 TD (associated with overdraft protection, there are a number of free) Tj /F21 14.36 Tf 0.00 -17.04 TD (services extended to customers:) Tj /F22 13.98 Tf 19.20 -16.32 TD (~ Bill pay) Tj /F23 10.74 Tf 0.24 -17.28 TD (~ Check cards) Tj /F23 10.38 Tf 0.24 -17.28 TD (~ On-line banking) Tj /F21 14.71 Tf 0.00 -16.80 TD (~ Telephone services) Tj /F23 10.45 Tf 0.24 -17.04 TD (~ Free checking) Tj /F22 13.07 Tf -90.72 -18.24 TD (One NBA bank explained that fees generated from overdraft protection allow him) Tj /F22 12.88 Tf -.24 -17.04 TD (to charge less than the industry standard \(18%\) for installment loans.) Tj /F22 14.66 Tf 0.96 -34.32 TD (Issue Eight: Alerting customers that they are excessively using overdraft) Tj /F23 9.83 Tf 72.48 -16.08 TD (protection. One banker reported that only 3.5% of his customers use) Tj /F21 14.50 Tf -.48 -17.28 TD (overdraft excessively, and 61% never use the overdraft privilege. 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X,!J"8z^ڸn t@%IRZIzK*RZU֕ikT$-RUuDQuN-U-WTҭU-R*$ZKTuִu]uIUauZ]}$ZZKHkT]&KkֺUJ֐Tҭ.tt$_I$ҭ$izZI%ttJҥ*].TKJKK$Ik;3 I* $R$J$%/֒Jj*Ii$-.IR$"VI/RKTIPA.]U$FzJARJ$kUUAi-i$A.I*AZ%I-%N>]*ZI%G VIkIRI„T%apZKI-6VZIRb륤lTU:TAzT%B **VKHKKTkJZ]-JҦZZJ:KIүZ-WJ ]0i[KH~⵭i=0֔t2 zbB a!6Ml/pp0[;'r\P.DR?A G&=/ZGf$w&?pfl@D(/8D@j.`ZqzA4ӽDGw}8NyQ/zOȄ?DIӰiKҼ!"Qu__a?a@ct 0{^wKJւ/_^_-]?oQCD(MzvOa }}5W{oPQ ?37 %0z>[T¯^mtalPza4#C={@RDq^M A DFzZJ(1m~K TX`3 !!CvM05CA?9,s. }"^_I6Y>&wTߤ-/\>֓%0Adoտ/kڏf貹߈&z $DD.>E*@Ak ](AAN I}$n}Mm'O&uo&tJ֛>[{cK^ީt>^{^ZoՍv{{{]o%M `?orp]/z@}$?_}ooJD;Ru?]a{MezKm~NT[^1o2AC3#f3GGiZ^|&v\+<8 ׄI}OetKjK.GX?}zA&IZzw$0 z& bT)⓽w1LW}_w!)ӯ0}Z㲠M{""20zV+@ '0""""$mh D  endstream endobj 26 0 obj << /Length 3107 >> stream q q 611.76 0.00 0.00 790.80 0.00 0.00 cm 0.00 0.00 0.00 rg /Im27 Do Q Q q BT 3 Tr /F28 14.13 Tf 141.36 707.04 TD (the 3.5%, 91% opted to stay in the program. What this basically) Tj /F28 13.69 Tf 0.48 -16.80 TD (means is that the consumer likes and wants this product. Another) Tj /F28 13.77 Tf 0.24 -17.28 TD (banker who routinely calls the top abusers of overdraft protection) Tj /F29 9.86 Tf -.48 -17.04 TD (was told that his decisions to use overdraft protection excessively) Tj /F30 14.31 Tf 0.48 -17.04 TD (were none of the banker's business.) Tj /F28 14.79 Tf -72.24 -34.32 TD (A number of those who use overdraft protection cited recurring financial) Tj /F30 14.81 Tf 0.48 -17.28 TD (situations that warranted the availability of overdraft protection. To keep down) Tj /F29 5.00 Tf 0.24 -17.04 TD (customer cost of overdraft protection, some banks will ) Tj /F30 14.08 Tf 316.80 1.68 TD (limit the number of checks) Tj /F30 14.95 Tf -317.04 -18.96 TD (that they charge for while others routinely give rebates to customers who have) Tj /F30 14.24 Tf 0.96 -16.56 TD (reasonable explanations for some of their excessive overuse.) Tj /F28 13.63 Tf 0.48 -34.08 TD (Mindful that, increasingly point-of-sale payments are made with debit cards, a) Tj /F28 13.12 Tf 0.00 -17.04 TD (number of NBA banks - after alerting customers of overdraft protection fees - are) Tj /F28 12.88 Tf 0.00 -17.28 TD (beginning to treat these financial transactions the same as check-writing.) Tj /F30 13.70 Tf 202.80 -50.40 TD (Conclusion) Tj /F28 13.69 Tf -202.56 -34.80 TD (While NBA banks recognize the regulatory requirement to give customers the) Tj /F30 14.53 Tf 0.24 -17.28 TD (opportunity to affirmatively chose overdraft protection, are monitoring incidents) Tj /F30 14.80 Tf 0.24 -17.04 TD (of overdraft abuse and see the need to process transactions in a manner that are) Tj /F30 14.58 Tf 0.24 -17.04 TD (designed to minimize cost to consumers, the Association adamantly opposes the) Tj /F30 15.14 Tf 0.24 -17.28 TD (unreasonable capping of service fees that are essential to the bank's ability to) Tj /F28 14.23 Tf 0.00 -17.04 TD (extend check-writing or debit using privileges for low - to moderate income) Tj /F28 12.94 Tf 0.24 -16.80 TD (consumers that were once only reserved for the well-heeled.) Tj /F28 12.96 Tf 0.00 -34.32 TD (Sandra, the NBA genuinely appreciates your undisputed devotion to the spirit and) Tj /F30 15.97 Tf 0.00 -17.04 TD (the letter of FIRREA. Our members simply believe that in the instance of) Tj /F30 14.84 Tf 0.48 -17.04 TD (overdraft protection, consumers also have a responsibility to take ownership of) Tj /F28 12.79 Tf 0.72 -16.80 TD (how they are managing or mismanaging their finances.) Tj 0.24 -34.32 TD (Respectfully submitted,) Tj /F30 50.33 Tf 13.68 -40.32 TD (ll~) Tj /F30 13.19 Tf -12.96 -11.04 TD (Michael A. Grant, J.D.) 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