CFPB警告银行不要收取未经核实的透支费, CFPB warns banks against charging unverified overdraft fees, enforcing rules against "phantom opt-in" practices.
消费者金融保护局警告银行,未经经核实的客户同意,不得收取透支费。 The Consumer Financial Protection Bureau (CFPB) has warned banks to refrain from charging overdraft fees without verified customer consent. 该机构发布了指导准则,帮助执行规则,打击“幽灵选择进入”做法,即银行在没有证据的情况下要求同意。 The agency issued guidance to help enforce rules against "phantom opt-in" practices, where banks claim consent without evidence. CFPB 强调银行必须证明存在同意，旨在保护消费者免受非法费用的影响。 The CFPB emphasizes that banks must prove consent exists, aiming to protect consumers from unlawful fees. 在此之前,由于某些银行在透支收费方面误导客户,对某些银行采取了行动。 This follows actions taken against certain banks for misleading customers regarding overdraft charges.