U.S. banks are on pace this year to book a record $43.6 billion in fees charged to customer deposit accounts — most notably overdraft fees — just as federal lawmakers prepare fresh restrictions on such fees.

Through the first half of the year, U.S. banks took in $21.8 billion in service charges on deposit accounts, according to data from the Federal Deposit Insurance Corp. That figure is a record for the first half of a year. Last year, banks booked $39.5 billion in such revenue, which does not include some other types of fees, like those for using ATMs.

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