WASHINGTON — Royal Bank of Scotland Group's two U.S. bank subsidiaries must pay nearly $14 million to settle charges they improperly marketed certain checking account programs under orders issued Tuesday by the Office of the Comptroller of the Currency and the Federal Deposit Insurance Corp.

The orders, which will require RBS Citizens N.A. and its affiliated Citizens Bank of Pennsylvania to pay nearly $4 million in restitution, represent continued scrutiny by federal regulators of industry overdraft programs. They also are another example of the OCC and FDIC flexing their muscles on consumer-related practices — normally the bailiwick of the Consumer Financial Protection Bureau.

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