Overdraft revenue at banks, thrifts and credit unions has stagnated over the last year, according to new research, as the industry absorbs the impact of past regulations and braces for potential future ones.

Fees from customers with overdrawn accounts generated $31.1 billion in January, February and March, according to an estimate from the economic research firm Moebs Services. In the first quarter of last year, the company estimated that overdraft revenue totaled $31.0 billion — a negligible difference.

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