If a customer opts in to the payment of one time POS and ATM transactions in conjunction with our overdraft program, if for some reason the overdraft program is suspended and then later reinstated, should we provide another opt-in disclosure for the customer to sign? Technically, they have not revoked the previous opt-in, even though when the overdraft program is suspended the account is changed so that it will not pay and assess a fee on one-time POS and ATM transactions that overdraw the account.

There is no regulation where you can look up a question like this. Pretending for the moment that I'm an examiner I will drink deeply from their well of ephermal wisdom and say :

If you told the customer that the program was terminated it would be necessary to start anew i.e. provide any necessary disclosures and solicit an opt-in.

Thanks for the help!