; and (2) that by not opting in to such overdraft coverage— (A) a consumer’s transaction may be declined if there are insufficient funds in the related transaction account; and (B) the consumer will not be charged a fee if such transaction is declined. (c) Consumer consent opt-In A depository institution may charge overdraft coverage fees with respect to the use of an automatic teller machine or point of sale transaction only if the consumer has consented in writing, in electronic form, or in such other form as is permitted under regulations of the Bureau. (d) Consumer disclosures Each depository institution shall clearly disclose to each consumer covered by an overdraft protection program of that depository institution— (1) that— (A) the consumer may be charged for not more than one overdraft coverage fee in any single calendar month and not more than 6 overdraft coverage fees in any single calendar year, per transaction account; and (B) the depository institution retains the discretion to pay (without assessing an overdraft coverage fee) or reject overdrafts incurred by the consumer beyond the numbers described in subparagraph (A); (2) the overdraft coverage fee as an annual percentage rate, so as to permit consumers to meaningfully compare the overdraft coverage to alternative forms of overdraft options and other sources of credit; (3) information about any alternative overdraft products that are available (such as linked accounts, lines of credit, and alerts), including a clear explanation of how the terms and fees for such alternative services and products differ