The bulletin explains that indiscriminately charging these depositor fees, regardless of circumstances, likely violates the Consumer Financial Protection Act. Charging a fee to the depositor penalizes the person who could not anticipate the check would bounce, while doing nothing to deter the originator from writing bad checks. In fact, there are many reasons deposited checks can bounce, and the most common reason is that the check originator does not have enough money available in their account. However, a person trying to deposit a check has no idea or control over whether the check will clear, and sometimes, that person is the victim of check fraud. When a consumer deposits a check that bounces, banks sometimes charge a fee to the depositor, usually in the range of $10 to $19. Today’s Consumer Financial Protection Circular on surprise overdraft fees and the CFPB’s compliance bulletin on surprise depositor fees lay out when a financial institution’s back-end penalties likely break the law. Overdraft and depositor fees likely violate the Consumer Financial Protection Act prohibition on unfair practices when consumers cannot reasonably avoid them. “We are providing guidance on existing law that will help law-abiding businesses seeking to fairly compete and the families they serve.” “Americans are willing to pay for legitimate services at a competitive price, but are frustrated when they are hit with junk fees for unexpected or unwanted services that have no value to them,” said CFPB Director Rohit Chopra. What episode of Outer Banks does John B go fishing?.How can I watch Outer Banks without Netflix?.Where can I watch Season 1 of Outer Banks?.What happens in Episode 7 in Outer Banks?.The following morning, just as John B and Sarah reach Charleston, it’s a funny coincidence that Pope, Kie, and JJ arrive in Charleston at the same time. The pair continue sailing as Cleo smiles away as she swims in the water. Cleo attacks the officer, allowing John B and Sarah to start a journey up North. John B, Sarah, and Cleo reach a boat, but unluckily for them, so does a police officer. Although, she’s unaware of what happened to Terrance. Cleo explains that when the police came shooting, she jumped into the water to escape. By chance, it just turns out that it’s Cleo they have run over. John B and Sarah are forced to race through the streets, only stopping when John B accidentally runs someone over. With the odds in their favor, the “doctor” gives the pair his car so they can escape.įollowing an unseen shootout, Terrance and Cleo are gone with the gold in police custody. As Ward gave an image of her and John B to the police, it’s not long before they are found. It is reasonable for the parents to be acting in such a manner, and considering how JJ and Pope behave around Kie’s parents, it comes as no surprise that her parents want Kie to go to boarding school.Ĭonsidering she was dead just a few moments ago, Sarah is doing quite well. She is having an argument with her parents over heading to Charleston. Also having a little family trouble is Kie. Rafe also adds that he doesn’t care that he did as Sarah is bringing too much trouble for the family. It appears she’s alive after all.Īt the station, Rafe tells Ward that he shot Sarah whilst attempting to shoot John B. It’s a tragic and shocking scene until after just a few moments, by some miracle, Sarah begins to respond. John B is unable to accept it and continues to do CPR to no avail. To discuss it further, the people who wrote the letter want a meeting with Pope later that night in Charleston.ĭuring Sarah’s operation, she briefly regains consciousness before she flatlines and seemingly dies. The letter states that they have evidence that will prove that John B is innocent. Pope, JJ, and Kie read the letter he got from the Scholarship Committee. John B brings Sarah to the “Doctor.” But with a life-saving operation costing 4k, John B is forced to hand the “Doctor” some gold. They tell Pope that the Scholarship Committee may still be interested and hand him an envelope. However, he messed up his chances by storming out of his interview). (In Season 1, Pope had the opportunity to gain a college scholarship. None the wiser to all that is occurring, Pope is visited by the Vanderhorst Foundation. He directs them towards “his guy,” who, as he says, will sort Sarah out. After Rafe shot Sarah in episode 1, John B calls Terrance for help.
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