The Financial Post reports in its Saturday, April 20, edition that Ottawa's proposal to limit the fees charged by banks to customers for overdrawing their accounts is a move that will provide relief for those with low incomes. The Post's Christine Dobby writes that this, however, will also hurt the revenue of lenders, although the impact may not be significant. National Bank of Canada analyst Gabriel Dechaine says it is hard to measure the exact impact of the government's proposed cap of $10 for fees on non-sufficient funds. However, service fees account for about 2.5 per cent of total revenue for most lenders. Currently, the big banks charge a penalty of $35 to $50 when customers' accounts do not have enough money to cover a cheque or preauthorized debit payment. The lenders' fee income includes a broader range of charges to both business and personal customers. It is worth noting that banks already offer some protection measures against overdraft charges. Mr. Dechaine said in a report to clients that "an educated guess would put 'at risk' NSF fees at 1 per cent (or less) of total bank revenues." The Canadian Bankers Association says it is reviewing the government's budget "in detail to assess its implications."