Federal Compliance Checklist for Junk Fees

Recent Congressional actions and regulatory rollbacks by the Consumer Financial Protection Bureau (CFPB) have rescinded key rules and guidance targeting junk fees, including the proposed overdraft fee cap. In May 2025, the CFPB withdrew dozens of guidance documents and paused or dismissed several enforcement actions, significantly reducing federal pressure on financial institutions. However, the Unfair, Deceptive, and Abusive Acts or Practices (UDAAP) standards and heightened state-level scrutiny continue to pose compliance risks. To support regulatory readiness, explore this Federal Compliance Checklist for Junk Fee Practices, designed to help financial services strengthen disclosures and assess compliance with evolving regulatory expectations.

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