; overdraft; overdraft coverage fee; transaction account; nonsufficient fund fee The terms depository institution , overdraft , overdraft coverage fee , transaction account , and nonsufficient fund fee have the meanings given the terms in 140B(p) of the Truth in Lending Act, as added by section 4 of this Act. 4. Fair marketing and provision of overdraft coverage programs (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. Overdraft coverage program disclosures and consumer protection (a) Prohibitions No depository institution may engage in acts or practices in connection with the marketing of or the provision of overdraft coverage that are designed to evade the provisions of this section. (b) Marketing disclosures Each depository institution that provides or offers to provide overdraft coverage with respect to transaction accounts held at that depository institution shall clearly and conspicuously disclose in all marketing materials for such overdraft coverage any overdraft coverage fees with respect to such overdraft coverage. (c) Overdraft coverage fees (1) In general Except as provided in paragraph (2), no depository institution may charge an overdraft coverage fee for any transaction— (A) at an automated teller machine; or (B) involving a one-time debit card transaction. (2) Overdraft fees permitted for checks and automatic recurring payments A depository institution may charge an overdraft coverage fee for a check or an automatic recurring payment as part of an overdraft coverage program that incorporates the requirements identified in subsections (d) through (l). (d) Consumer consent opt-In A depository institution may charge overdraft coverage fees with respect to the use of checks or automatic recurring payments only if— (1) the depository institution has waited at least 3 days after opening an account to offer the overdraft coverage program