---
type: "Bill"
title: "An Act To Prohibit Financial Institutions From Charging Multiple Fees For Attempted Withdrawals Involving Insufficient Funds"
description: "An Act To Prohibit Financial Institutions From Charging Multiple Fees For Attempted Withdrawals Involving Insufficient Funds"
jurisdiction: "us/states/me"
legislature: "Maine Legislature"
session: "132"
identifier: "LD 142"
citation: "Maine LD 142 (132)"
classification: ["bill"]
subjects: ["FEES", "FINANCIAL INSTITUTIONS", "REGULATION"]
status: "enacted"
primary_sponsors: ["James LIBBY"]
version_count: 3
action_count: 25
vote_count: 1
first_action: "2025-01-14"
last_action: "2025-05-29"
source: "openstates"
source_identifier: "ocd-bill/d4386ec6-9008-42f1-9d0b-3e5961b9e86c"
source_url: "https://legislature.maine.gov/LawMakerWeb/dockets.asp?ID=280095730"
source_hash: "a029b17d4a936a8a1250b5e16c0a1abc328c7001a26259fe664dfb56bf5a1357"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-me"]
---

# Maine LD 142 (132) — An Act To Prohibit Financial Institutions From Charging Multiple Fees For Attempted Withdrawals Involving Insufficient Funds

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Amendment C-A (S-94)** (committee substitute) — [source](http://www.mainelegislature.org/legis/bills/getPDF.asp?paper=SP0078&item=2&snum=132)
2. **Chapter 38** (committee substitute) — [source](http://www.mainelegislature.org/legis/bills/getPDF.asp?paper=SP0078&item=3&snum=132)
3. **LD 142 SP 78** (committee substitute) — [source](http://www.mainelegislature.org/legis/bills/getPDF.asp?paper=SP0078&item=1&snum=132)

## Votes

- ACCEPT MAJORITY OUGHT TO PASS AS AMENDED REPORT — **28–4** (pass) · upper

## Sponsors

- James LIBBY — primary (person)
- Susan BERNARD — cosponsor (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2025-01-14** Committee on HEALTH COVERAGE, INSURANCE AND FINANCIAL SERVICES suggested and ordered printed REFERENCE to the Committee on HEALTH COVERAGE, INSURANCE AND FINANCIAL SERVICES Ordered sent down forthwith for concurrence
- **2025-01-14** The Bill was REFERRED to the Committee on HEALTH COVERAGE, INSURANCE AND FINANCIAL SERVICES. `referral-committee`
- **2025-01-14** In concurrence. ORDERED SENT FORTHWITH.
- **2025-03-21** CARRIED OVER, in the same posture, to the next special or regular session of the 132nd Legislature, pursuant to Joint Order SP 519.
- **2025-05-20** Reports READ
- **2025-05-20** On motion by Senator BAILEY of York The Majority Ought to Pass As Amended Report ACCEPTED PREVAILED
- **2025-05-20** Roll Call Ordered Roll Call Number 180 Yeas 28 - Nays 4 - Excused 3 - Absent 0
- **2025-05-20** READ ONCE `reading-1`
- **2025-05-20** Committee Amendment "A" (S-94) READ and ADOPTED `committee-passage-favorable`
- **2025-05-20** Under suspension of the Rules, READ A SECOND TIME and PASSED TO BE ENGROSSED AS AMENDED by Committee Amendment "A" (S-94) `reading-2, reading-3`
- **2025-05-20** Ordered sent down forthwith for concurrence
- **2025-05-22** Reports READ.
- **2025-05-22** On motion of Representative MATHIESON of Kittery, the Majority Ought to Pass as Amended Report was ACCEPTED.
- **2025-05-22** The Bill was READ ONCE. `reading-1`
- **2025-05-22** Committee Amendment "A" (S-94) was READ and ADOPTED. `committee-passage-favorable, passage`
- **2025-05-22** Under suspension of the rules, the Bill was given its SECOND READING without REFERENCE to the Committee on Bills in the Second Reading.
- **2025-05-22** The Bill was PASSED TO BE ENGROSSED as Amended by Committee Amendment "A" (S-94). `reading-3`
- **2025-05-22** In concurrence. ORDERED SENT FORTHWITH.
- **2025-05-27** FINALLY PASSED. `passage`
- **2025-05-27** Sent for concurrence. ORDERED SENT FORTHWITH.
- **2025-05-27** FINALLY PASSED, in concurrence. `passage`
- **2025-05-29** Signed by Governor `executive-signature`
- **2025-02-12T05:00:00+00:00** Work Session Held
- **2025-02-12T05:00:00+00:00** Voted - Divided Report
- **2025-05-15T04:00:00+00:00** Reported Out - OTP-AM/ONTP

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/d4386ec6-9008-42f1-9d0b-3e5961b9e86c`. Confidence: reported (aggregated from official Maine legislature records).