WASHINGTON — The Consumer Financial Protection Bureau is weighing whether to place further restrictions on overdraft programs after a study released Thursday revealed consumers who opted-in for such services are paying significantly more in fees.

Regulators finalized a rule in 2010 that required banks to get customers' permission before enrolling them in overdraft programs for ATM and debit transactions, while allowing institutions to still charge overdraft fees on all customers for bounced checks and ACH transactions.

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