(Daily Finance) — A year after the Federal Reserve enacted new rules to rein in abusive bank overdraft practices, fees remain high and some institutions actually have slapped on additional penalties, according toa new survey of the nation’s 14 largest banksby the Consumer Federation of America.  Last year, the Fed prohibited banks from enrolling consumers in overdraft protection programs unless they choose to “opt-in.” Previously, most banks automatically covered payments that exceeded the account balance, charging a fee for each offense, along with additional fees if customers didn’t quickly repay the loan quickly. While the rules have helped, major issues remain, consumer advocates say.