---
title: Multiple Re-Presentment NSF Fees
description: FDIC rescinds guidance on multiple NSF fees, raising concerns about UDAAP compliance. Institutions must still ensure accurate disclosures to avoid legal risks.
---

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# [Multiple Re-Presentment NSF Fees](https://blog.bankerscompliance.com/en/multiple-re-presentment-nsf-fees)

 Written by [Amy Kudlacek](https://blog.bankerscompliance.com/en/author/amy-kudlacek) | Apr 14, 2026 12:57:49 PM

Back in June 2023, you may recall that the FDIC issued Guidance outlining their supervisory approach to charging multiple non-sufficient (NSF) fees on the same transaction…once when it was returned unpaid and again when it was represented for payment.

On April 10th, the [FDIC rescinded this Guidance](https://www.fdic.gov/news/financial-institution-letters/2026/fdic-rescinds-supervisory-guidance-multiple-re-presentment) effective immediately. The FDIC pointed out that …*that the guidance is overly broad in scope and has raised uncertainty regarding when, for instance, disclosures regarding re-presentments may result in “unfairness” concerns under Section 5 of the Federal Trade Commission Act *(aka UDAAP).

Despite this rescission, institutions must still ensure they “do what they say and say what they do”. In other words, that …*disclosures to consumers accurately reflect their practices and are provided in accordance with applicable laws, regulations, and other current legal requirements*. Failing to do so could still put institutions in hot water with regard to UDAAP. It’s also important to point out that this rescission has no bearing on any civil liability risk (class-action lawsuits, etc.).

[ Free Resources! ](https://cta-service-cms2.hubspot.com/web-interactives/public/v1/track/click?encryptedPayload=AVxigLIveskE0NDfCqGwGhiFIjhP0o2MLUUzf94UB6dtUXNPjW9%2BV5P%2BthGgeUmEhT2LPX8SU23FY%2FnHqwd4YoXV5LAsvPTri5uL4TAWh3Jt2JyAk9QMYzli%2BDOAPqjN5TfqKhAgq1ZUzprEKqib%2F%2BN%2F8oYDryKoVzz1Lal61VN3c5EqE4hJ%2FQBeeCUsBG%2F9VH%2FDi9ZuPEHgGXh0z3iKwQ7%2B%2BGPIu3HLGaRffgCX1qz5Yw2P4ZUsI37mwm4%3D&portalId=21201105)

Published 2026/04/14

[View full post](https://blog.bankerscompliance.com/en/multiple-re-presentment-nsf-fees)

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