Overdraft protection continues to crop up as an issue that Congress is determined to deal with. The problem is there is very little consensus among financial institutions on what to do about what Congress says are abusive practices of overdraft protection.

The abuse is there. The Center for Responsible Lending says Americans are hit with $17.5 billion in overdraft fees each year, about $1 billion of that nails young people ages 18-24 who can least afford it.

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