I didn't say "protections", but rather "rights." Mainly, I'm thinking about the disclosures relating to paper copies. Depending on their wording, "disclosures" sometimes function as service agreements -- creating contractual rights. If the wording of the standard ESIGN preconsent notice for consumers says things like "paper copies are available" (which would be true for consumer accounts, but unintended for commercial accounts), then the commercial customer gains the right to paper copies. Disclosure wording about fees for paper copies could compound the unintended effects for commercial accounts.
When it comes to "over-disclosure", I'm a firm believer that "less is more"...and "none" is better still.