Institutions with Federal Reserve accounts operate within the Federal Reserve's Payment System Risk policy, which limits daylight overdrafts through net debit caps flexible to each institution's condition and capacity, requires an annual self-assessment of creditworthiness and intraday funds management from institutions with the highest caps, and is supplemented by the interagency sound practices for the resilience of the financial system and the agencies' payment risk policies.
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.