In Senate hearing Tuesday, agency director also defends $95 million cost of CFPB building work.
But Dodd-Frank requires fees and closing costs to be included in calculations, so bureau finding a way, director said.
Director tells House panel he expects change to be in rule introduced to House before the election.
Agency director testifies at House Financial Services Committee hearing on rule CFPB expects to finalize in January.
Consumer Financial Protection Bureau Director Richard Cordray said his agency is discussing how best to proceed on additional regulations concerning overdraft protection and other checking account disclosures. The CFPB could issue proposed rules later this year.