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Fuck yeah this is a win for consumers, assuming there is no loophole or other way to bypass this regulation... Assuming...
Loophole of the "payment not received on time fee" of $40.
Obligatory - Join a credit union. They're non profit financial institutions that offer the same service as a bank. As a non profit, their fees and rates are much better.
The problem is finding them. I'm still chained to a credit union in another state years after I moved, just because I cannot find a local credit union in my city that will accept me. Plenty of ones for teachers, cops, firefighters, and veteran's, but they won't let a Joe Shmoe with an office gig store money.
You could join an online credit union such as Alliant Credit Union. It costs $5 for a membership that they'll pay for you, though there are other options that you can easily join yourself for membership.
The $20/mo ATM fee rebate is nice.