amendments are prescribed in final form. (b) Moratorium on fee increases (1) In general During the 1-year period beginning on the date of the enactment of this Act, no depository institution may increase the overdraft coverage fees or charges assessed on transaction accounts for paying a transaction (including a check or other debit) in connection with an overdraft or for nonsufficient funds. (2) Definitions As used in this section, the terms depository institution , overdraft , overdraft coverage fee , transaction account , and nonsufficient fund fee have the same meanings as in section 140B(o) of the Truth in Lending Act, as added by this Act.