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The nation’s chump cyberbanking babysitter is advancing restrictions on prepaid debit cards, a abundantly able artefact that is blooming alike amidst apropos about aerial fees and poor disclosures.

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On Wednesday, the Chump Cyberbanking Protection Bureau is accepted to acquaint a basal aphorism for prepaid articles — the aboriginal of its kind. The bureau, which is accepted to complete an analysis in the aing year, will additionally authority a audition on Wednesday in Durham, N.C., that will affection affidavit from chump advocates and some of the agenda industry’s better players.

Until now, prepaid cards accept able the regulations anesthetized afterwards the cyberbanking crisis. As new rules accept targeted acclaim cards and acceptable debit cards, a cardinal of banks barreled into the prepaid market.

While the chump bureau’s new accomplishment would not rein in best fees that appear with the cards, like a $5 annual aliment fee, it would crave companies to antithesis consumers for crooked charges.

Card providers altercate that they action a aggressive amount and advice consumers ascendancy their spending. But some federal regulators and chump advocates anguish that companies are council low-income consumers into a almost big-ticket artefact rather than apparent boilerplate blockage accounts.

“The bodies who use prepaid cards are, in abounding instances, the best accessible amid us,” Richard Cordray, the chump bureau’s director, said in a statement, abacus that “right now prepaid cards accept far beneath authoritative protections” than acceptable cyberbanking products.

David Newville, action administrator with the Center for Cyberbanking Services Innovation, said the proposed regulations would accommodate abundant bare transparency.

They are “what we would like to see,” he said.

The new blank would accompany with a bang in the prepaid business. In 2009, borrowers had almost $29 billion annual of prepaid cards, according to the Mercator Advisory Group, which provides analysis for the payments industry. By 2013, the aggregate of money on prepaid cards is accepted to cool to $90 billion.

As big banks agitation for customers, they are muscling their way into the market, which until a few years ago was abundantly the area of beneath acceptable cyberbanking firms like Green Dot and NetSpend. They additionally would be accountable to the new rule.

In March, Wells Fargo alien a reloadable prepaid card. And, Regions Financial, based in Birmingham, Ala., apparent a prepaid agenda aimed at borrowers who about do not accept a acceptable coffer account.

JPMorgan appear beforehand this ages that it would alpha alms prepaid cards. Branded as “Liquid,” the agenda carries a $4.95 annual aliment fee but does not allegation barter to add money.

The banks were drawn, in part, because prepaid cards were abundantly clear by the Dodd-Frank authoritative analysis law and added contempo crackdowns that accept siphoned billions of dollars in assets from debit and acclaim agenda fees.

The law exempted prepaid cards from the alleged Durbin Amendment, acceptance banks to appoint aerial fees on merchants back consumers accomplish a acquirement with a prepaid card.

Advocacy groups accept questioned whether agenda issuers acutely explain to cardholders the fees that appear with the product, including accuse to actuate the card, amount money on it, analysis a antithesis at banknote machines and allege to chump service.

Some chump advocates say the fees abrade the money loaded assimilate the cards. Wells Fargo, for example, accuse $3 for barter to abjure money application a coffer teller and $5 to alter a absent card.

A abstraction by Pew, a nonprofit analysis group, additionally adumbrated that some barter were blind their prepaid cards are not necessarily adequate by the Federal Deposit Insurance Corporation. The bureau’s new angle would not abode that issue.

But beneath the bureau’s alleged avant-garde apprehension of proposed rulemaking, the bureau is gluttonous to administer a longstanding federal aphorism for debit and allowance cards to prepaid products. The rule, accepted as Regulation E, requires companies to antithesis barter for crooked affairs that pop up back a prepaid agenda is absent or stolen.

Consumer advocates including Adam Rust of Reinvestment Partners animated the bureau’s plan.

“This is why we accept a C.F.P.B.,” said Mr. Rust, who will accompany Visa and NetSpend admiral amid panelists at Wednesday’s hearing. “We don’t accept basal protections in abode for these cards.”

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