; (2) by redesignating subsection (d) as subsection (e); and (3) by inserting after subsection (c) the following: (d) Additional fees prohibited (1) Definition In this subsection, the term prepaid account has the meaning given the term by rule of the Bureau. (2) Prohibition With respect to the use of a prepaid account by a consumer— (A) it shall be unlawful for any person to charge the consumer a fee for an overdraft, including a shortage of funds or a transaction processed for an amount exceeding the account balance of the prepaid account; (B) any transaction for an amount exceeding the account balance of the prepaid account may be declined, except that the consumer may not be charged a fee for that purpose; and (C) the Bureau may, by rule, prohibit the charging of any fee so that the Bureau may— (i) prevent unfair, deceptive, or abusive practices; and (ii) promote the ability of the consumer to understand and compare the costs of prepaid accounts. . 4. Restrictions on lead generation in small-dollar consumer credit transactions (a) In general Chapter 2 of the Truth in Lending Act (15 U.S.C. 1631 et seq.) is amended by adding at the end the following: 140B. Restrictions on lead generation in small-dollar consumer credit transactions (a) Definitions In this section— (1) the terms Internet access service and Internet information location tool have the meanings given those terms in section 231(e) of the Communications Act of 1934 (47 U.S.C. 231(e)); (2) the term sensitive personal financial information means a Social Security number, financial account number, bank routing number, bank account number, or security or access code that is immediately necessary to permit access to the financial account of an individual