This is an old post, but I have the same question. We have never had OD protection on our HELOCs. We offer a personal OD line of credit, credit card, savings account, but now the bank wants to add it to the HELOC. From what you are saying there is nothing regulatory that you have to disclose to the customer, so it is mainly an operational issue? I'm in agreement with your comments and it makes me uneasy to think someone would take an advance on a loan secured by their home because they didn't have money in the checking account for a candy bar. Wish we weren't going that way. We currently have nothing in our agreement that provides for OD protection and I just want to be sure there isn't anything we have to provide to the consumer. Thank you.