One example I can think of is let's say there is a limit on the Overdraft line, such as $1,000 and the transaction would push it above that. Not sure of other situations I can come up with, maybe if the Bank thought the Overdraft was from a fraudulent transaction and so declined to process and advance the funds. Maybe this isn't a valid question. But, if for ANY reason, an advance was not allowed, is this Adverse Action under ECOA?