Just when you thought the federal government had too much on their plate comes news that the Federal Reserve will implement new rules prohibiting banks from charging overdraft fees without consumers’ consent.

I always figured that a bank charged a stiff penalty for insufficient funds, so that in the future, I wouldn’t withdraw more money than I have. Silly me. But hey, what about the fees charged by banks for using their ATM rather than the bank in which my money is in? I just figured that was a convenience fee, but if we’re setting new rules, let’s kill that one, too. Oh yeah, the minimum monthly balance I have to keep in order to enjoy a better savings rate–strike it down!

When the bank rules are done, can Chairman Bernanke please turn his attention to the late fees at Blockbuster?