Several civil rights and consumer groups called on the OCC to ensure that banks seeking to expand their activities be required beforehand to adopt overdraft reforms. This comes as the OCC is currently reviewing a proposal from TD Bank to merge with First Horizon Bank. Reforming these practices should be required before any OCC-supervised bank is allowed to expand using mergers or asset-increase approvals. These reforms would advance inclusive banking, comply with the President’s orders for greater equity, and ensure that banks satisfy their duty to their customers.