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Is it still okay to say NSF? Or do we have to spell it out. We have identified what NSF is, but is the acronym okay to use on statements?

You can use an abbreviation on statements if you include that same abbreviation in your disclosures when you explain what it means. While I think we all agree that the abbreviation ought to be fairly self-explanatory, you could theoretically list an "ZYX Fee" and explain in your disclosures that it's a fee for returning unpaid items that would overdraw or further overdraw the customer's account.