2021 Environmental Social & Governance Report

POLICY SOLUTIONS
JPMorgan Chase is working to advance policy that expands access to banking, 
improves cash flow management, develops and strengthens access to credit and 
builds savings and wealth. For example, we are engaging with regulators about 
ways to minimize the disproportionate impacts of overdraft fees on low- and 
moderate-income communities, advocating for flexibility in innovation around credit 
and liquidity solutions that are designed to protect consumers, and supporting 
policies around structural changes to public assistance programs. 
Our belief in structural solutions to wealth-building informs our support and 
advocacy of baby bonds and other wealth-building policies that address the racial 
wealth gap. Across all these areas, we are sharing our Firm’s insights, data and 
experience about the unique challenges, and solutions that meet the needs of low- 
and moderate-income communities. 
Helping Customers Avoid Overdraft Fees
In 2021, we announced enhancements to Chase checking 
accounts that will help millions of customers save on 
overdraft fees. This included expanding the overdraft 
cushion; up from $5 to $50, which means customers pay no 
overdraft fees when their account is overdrawn by $50 or less 
at the end of the business day. We also eliminated the 
returned item fee so that customers pay no fee if Chase 
doesn’t pay a check or electronic payment because the 
customer does not have enough money in their account. 
Beginning in June 2022, we are expecting to provide 
customers an extra day to catch up and customers will have 
until the end of the next business day to bring their balances 
back to $50 or less to avoid overdraft fees from the previous 
day. In addition, Chase plans to enable customers to access 
direct-deposited payroll up to two business days early. These 
and other enhancement build on Chase’s ongoing 
commitment to improve customers’ financial health. 
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INTRODUCTION
ENVIRONMENTAL
SOCIAL
Feature: Our Commitment
to Racial Equity
Diversity, Equity & Inclusion
Human Capital
Inclusive Growth
GOVERNANCE
ESG REPORT APPENDICES

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Akron, Ohio
Corktown in Detroit
Crenshaw in Los Angeles
Fifth Ward in Houston
Gentilly Woods in New Orleans
Harlem in New York City
36
Mattapan in Boston
Oak Cliff in Dallas
Oakland, California
South Shore in Chicago
Ventura Village in Minneapolis
37
Wards 7 and 8 in Washington, D.C.
2
4
3
1
6
8
7
5
10
12
11
9
2
4
3
1
6
8
7
5
10
12
11
9