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From: Etch Shaheen, Orlando, FL Subject: Electronic Fund Transfers Comments: Date: Mar 01, 2009 Prop

From: Etch Shaheen, Orlando, FL Subject: Electronic Fund Transfers Comments: Date: Mar 01, 2009 Prop-2025

From: Etch Shaheen, Orlando, FL Subject: Electronic Fund Transfers Comments: Date: Mar 01, 2009 Prop Preview on Page 1

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The document is a proposal by Etch Shaheen addressing concerns about Electronic Fund Transfers, specifically the practices of banks regarding overdraft protection. Shaheen argues that banks exploit consumers through high fees and lack of transparency about the consequences of overdraft protection. The proposal suggests reforms such as requiring active consumer consent for overdraft protection, simplifying disclosure forms, limiting fees to one per period, and imposing penalties on banks for improper disclosures. The central theme emphasizes the need for fairness and clarity in banking practices to protect consumers.

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