Three leading banks are testing the bounds of controversial credit card add-on services, even as the government gears up for a second round of related crackdowns on the products.

The continuing sales efforts come after regulators hit Capital One (COF) for $210 million in fines and refunds to consumers and Discover (DFS) $214 million for improperly marketing payment protection and identify theft protection services to credit card customers. Regulators followed shortly thereafter by charging American Express (AXP) $112.5 million in fines and refunds to consumers for similar lapses across its credit card operations.

Subscribe Now

Access to authoritative analysis and perspective and our data-driven report series.

14-Day Free Trial

No credit card required. Complete access to articles, breaking news and industry data.