Under the Federal Reserve's Regulation E (Electronic Fund Transfers, part of the Electronic Fund Transfer Act of 1978), banks must disclose their posting order in account agreements. However, there is no federal mandate for a "credits first" sequence. Banks can choose methods like chronological order, low-to-high, or high-to-low, as long as they're transparent. A few states like California via the Rosenthal Fair Debt Collection Practices Act, have rules limiting unfair practices, but nothing nationwide requires credits before debits. The Consumer Financial Protection Bureau finalized a rule in late 2024 to cap most overdraft fees at $5 (effective October 1, 2025), treating them as loans with stricter disclosures. However, this was repealed by Congress in March 2025 under the Congressional Review Act. As of now, standard fees, usually $35, remain but posting order is still unregulated federally beyond disclosures.