Consumers using deposit accounts sometimes engage in transactions that exceed their accounts’ balances. Some depository institutions will decline to pay the transaction and charge the consumer a "non-sufficient fund” (NSF) fee. The CFPB withdrew a proposed rule that would have preliminarily identified the assessment of NSF fees in certain circumstances as an abusive act or practice under section 1031(b) of the Consumer Financial Protection Act and would have imposed requirements to prevent such acts or practices.