Bank "A" wants to begin an home equity program and allow access to the Home Equity LOC via the internet to permit their customers to make transfers/pay bills. It's my understanding that Reg Z would not limit the amount and frequency of the 'extensions' of credit but are there other business/regulatory concerns? If a customer wants to pay his utility bills and/or other type of bill via a transfer of funds, what would be the procederes on stopping payment and/or other disputes? Is there any regulatory guidance on this issue(s)?