LAKE BLUFF, Ill.-One big question for 2012 has been how will overdraft income be affected by several new laws. Overall, on an annualized basis, overdraft revenue was $31.1 billion for banks, thrifts and CUs, according to Moebs $ervices.

Following the Fed's Reg E Opt-In regulation for debit card and ATM overdrafts in 2010, overdraft fee revenue fell to a low of $29.5 billion in Q3 2011, down from $37.6 billion in Q3 2008, said CEO Michael Moebs. An OD survey by Moebs of 2,700 FIs, found that as of June, 2012, CUs enjoyed their best 12-month period for OD revenue in their history, collecting $5.5 billion.

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