Overdraft fees are a multi-billion dollar industry for banks, often called 'junk fees' by consumer advocates. If the 2022 guidance is canceled, banks may have more freedom to charge fees that consumers didn't expect and couldn't easily avoid. This bill is part of a larger political battle over how much power federal agencies should have to regulate the fees that private businesses charge their customers. If it becomes law, it ensures that existing federal warnings against 'surprise' fees remain active, potentially saving consumers hundreds of dollars a year in automated charges.