WASHINGTON — In a blow to the industry, the Federal Reserve Board aligned itself with congressional leaders Thursday by finalizing a rule that would force banks to get their customers permission before they enroll them in overdraft protection programs.

The 92-page rule covers transactions conducted at automatic teller machines and one-time debit card transactions and takes effect on July 1. Banks would be prohibited from offering different terms or conditions on accounts for customers that decide to forgo the protection.

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