Some banks in the US don't do overdraft, some do, my bank doesn't charge for overdraft. It really just depends on how scummy your bank is.

You can't just tell banks not to abuse their customers! That's crazy talk!

Well the USA is known to only tackle problems as they arise instead of before they could do damage.
Creates a freedom for companies to exploit and consumers often cant or wont sue them.

Gonna take it you didn't read the article, because this literally is the Consumer Financial Protection Bureau:

Under the proposal, banks could continue to charge fees when a customer’s account falls below zero, but either at a price in line with the bank’s actual costs to administer the overdraft or at an established benchmark created by the new rule.

The Consumer Financial Protection Bureau (CFPB) proposed potential fees of $3, $6, $7 or $14 and is seeking feedback from banks and the public on what would be appropriate. Current overdraft fees often push $30 or more, taking a significant bite out of low-income accounts.

True, but before we go making a wishlist, let's remember that it's not even a possibility if Trump wins in November.

If anyone likes these systemic changes, mundane as they may be, remember that at the voting booth.

There's a lot of shit the FTC has been slipping on.

Leftists love to minimize the huge differences between them, like how much your overdraft fees should be.

Money the bank changes people for not having any money.

Something like 10 years ago, a Spanish bank charged me 25€ after I didn't notice a 0.10€ overdraft... but it just happened that I had stopped using that bank, my cards expired, lost online access, so when I finally went to ask about closing the account in person like 5 years later, it had ballooned to over 400€ in the red. The cashier went all aggro on me, even got from behind the counter to shove the statement directly into my face, looked like was going to punch me or something.

I just left and didn't feel like returning, had no reason to deal with them, so kind of YOLOed it. Then some regulations changed, the bank got "rebranded" (went under and got bought under a similar name)... until last year when I decided to check on things just in case... and it turned out that I'm not a client anymore. Suits me 🤷

You're vastly overestimating the powers of the executive branch.