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Regulation E requires that preauthorized electronic fund transfers from a consumer's account be authorized “only by a writing signed or similarly authenticated by the consumer.
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Accordingly, the Bureau is proposing to exempt both types of overdraft products from the scope of this rule, using definitional language in Regulation E to distinguish both overdraft services and overdraft lines of credit from other types of depository credit products.
Her effective rate was more than double that: 182 percent.
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