NEW YORK (AP) -- Bank of America Corp. said Tuesday it lost $7.65 billion during the third quarter due to a charge related to credit and debit card reform legislation passed over the summer.In a dramatic shift, the bank also said it will change its consumer banking strategy to focus on providing customers with incentives to do more business with the bank instead of generating revenue through penalty fees such as overdraft charges.The new legislation that caused Bank of America to take the $10.4 billion charge limits fees banks can collect when merchants accept debit cards.