Many banks are being criticized for reordering checking account transactions in order to drain available funds more quickly and accumulate more overdraft fees. Veronica Gutierrez filed a class-action lawsuit against Wells Fargo over the practice and won $203 million in restitution for herself and others. Judge William Alsup cited an internal Wells Fargo memo that predicted the bank would earn an extra $40 million a year in overdraft fees and said that “gouging and profiteering were Wells Fargo's true motivation” for ordering transactions from high to low amount rather than chronologically. Processing the largest transactions first helps ensure that consumers' most important payments are taken care of first, counters banking industry trade group the Financial Services Roundtable. Rep. Carolyn Maloney (D-N.Y.) plans to reintroduce legislation to reform bank overdraft practices, prohibiting institutions from manipulating the order of transactions to increase their overdraft fees.