Only changes that unilaterally benefit the customer or are insiginficant or to which the customer agrees in writing can be made on HELOCs originated since ~11/89. See ยง226.5b(f).
Adding a fee would not fit the requirements.
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Al Miller, CRCM
Fremont Bank (CA)
(510) 790-5825
(510) 505-5211 FAX
Opinions expressed are my own and not necessarily shared by my employer.