The banks with the highest percentage of overdraft fees to pretax operating income stand to lose over 8 percent of total pretax revenue if half of their overdraft fee revenue went away as a result of the rules the CFPB is set to release later this year, according to analysts at FBR Capital. The banks most exposed are TCF Financial, First Citizens BancShares, International Bancshares and Regions Financial, according to the FBR analysts. “Any CFPB rule on overdraft will likely mirror recent draft rules on prepaid cards that will require an assessment of the consumer’s ability to repay, have a repayment plan, and prohibit using deposits to repay the overdraft and associated fees,” the FBR team said. They noted that ...