I have determined that banking fees such as overdraft fees and negative balance fees have been specifically excluded from legal action under TILA so that lets out the possibility of suing them for failure to reveal the true APR under TILA.

There is a bill before congress known as H.R. 946 which would change that but there has been no action since early 2007. It appears that we need to start writing to our reps and senators in Washington to get some action going on that bill.

Since I can't sue them and get anywhere that way then I will just have to do the next best thing and help bring a lot of publicity to this ugly banking practice.