; and (B) does not include— (i) a periodic rate in connection with an extension of credit through an overdraft line of credit program; and (ii) a fee or charge imposed in connection with any transfer from an account linked to another transaction account. (7) Overdraft coverage program The term overdraft coverage program means a service under which a depository institution assesses an overdraft coverage fee for overdraft coverage. (8) Transaction account The term transaction account has the meaning given the term in section 19(b)(1) of the Federal Reserve Act ( 12 U.S.C. 461(b)(1) ). . (b) Technical amendment The table of contents for chapter 2 of the Truth in Lending Act is amended by inserting after the item relating to section 140A the following: 140B. Overdraft coverage program disclosures and consumer protection. . 5. Regulatory authority of the CFPB Not later than 2 years after the date of the enactment of this Act, the CFPB shall issue such final rules and publish such model forms as necessary to carry out section 140B of the Truth in Lending Act, as added by section 4 of this Act. 6. Effective date (a) In general This Act and the amendments made by this Act shall take effect 1 year after the date of the enactment of this Act, whether or not the rules of the CFPB under this Act or such amendments are prescribed in final form. (b) Moratorium on fee increases 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.