Four years after banks were required to ask customers if they want overdraft protection, most consumers still don't know whether they've been enrolled in those plans, according to an advocacy group's new report.

Because of the widespread confusion, the Consumer Financial Protection Bureau should require banks to be clearer in how they communicate with their customers about the optional overdraft plans. That is one of several recommendations made by the Pew Charitable Trusts in its latest report on the banking industry.

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