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Filene Releases Overdraft Survey

A forthcoming report from the Filene Research Institute, Overdraft Regulation: A Silver Lining to the Clouds?, takes a look at overdraft fee income among credit unions and the potential impact of Regulation E.

By Lindsey Siegriest | Updated on April 11, 2010

A forthcoming report from the Filene Research Institute, Overdraft Regulation: A Silver Lining to the Clouds?, takes a look at overdraft fee income among credit unions and the potential impact of Regulation E.

In the worst-case scenario, if no members opt-in for overdraft services, the report predicts that total fee income could sink as much as 11% and that overall ROA could fall by as much as 9 basis points. Though it would be a hit, the report also states that it would not destroy the current credit union business model.

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