Overdraft "protection" was opt-out for several years, and is now opt-in. https://www.consumerfinance.gov/rules-policy/regulations/1005/17/ https://www.consumer

Overdraft "protection" was opt-out for several years, and is now opt-in. https://www.consumerfinance.gov/rules-policy/regulations/1005/17/ https://www.consumerfinance.gov/rules-policy/regulations/100... I have a lot of experience with low-income people and people not great with money (and the overlap between them). The problem is most want this feature. They would not want the transaction declined. They know they don't have any money.