; or (2) any debit card transaction. (n) Reports to consumer reporting agencies (1) In general No depository institution may report negative information regarding the use of overdraft coverage by a consumer to any consumer reporting agency, as defined in section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ), when the amounts of the overdraft are repaid under the terms of an overdraft coverage program. (2) Deletion A depository institution shall request that the consumer reporting agency described in paragraph (1) delete any previously reported negative information, including closure of an account due to unpaid overdrafts, if the consumer repays the overdrafts or tenders payment for the overdrafts to the depository institution or its successor. (o) Rule of construction No provision of this section may be construed as prohibiting a depository institution from retaining the discretion to pay, without assessing an overdraft coverage fee or charge, an overdraft incurred by a consumer. (p) Definitions relating to overdraft coverage For purposes of this section: (1) Check The term check — (A) has the meaning given the term in section 3 of the Check Clearing for the 21st Century Act ( 12 U.S.C. 5002 )