We are gearing up for a number of commercial and consumer lines of credit that are maturing that act as ODP for a deposit account.

Outside of making mention in the credit agreement that the line acts as ODP for a checking account and the borrower authorizes us to draw from the line in overdraft circumstances, is there any special compliance issues that we should keep in mind for these? I didn't think there is anything noteworthy to consider for commercial ODP lines, but I feel like I am missing something on the consumer side (outside of the disclosure changes that went into eff 7/10).

And,does anyone have an ODP authorization form (or text of the language) used in the consumer ODP disclosure?