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.

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

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.

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

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.