Would MLA be a requirement on an overdraft protection line of credit? The only way the customer can access the line is through an overdraft of their primary checking account to which it would be connected.

An overdraft line of credit with a finance charge is a covered consumer credit product when: it is offered to a covered borrower; the credit extended by the creditor is primarily for personal, family, or household purposes; it is used to pay an item that overdraws an asset account and for which the covered borrower pays any fee or charge; and the extension of credit for the item and the imposition of a fee were previously agreed upon in writing.