I had an FDIC compliance exam last year. This did not come up. They may be asking out of curiosity, or the found some kind of problem at another bank and wanted to see how widespread it had become. The weird thing that came up at our exam was an obsession about when loan payments were posted and what we had disclosed or included in our notes. (We were OK.)
There is no regulatory requirement (that I know of) for you to provide these disclosures (or opt-in) to business accounts. Maybe they are concerned about fairness to small businesses. I don't think that would become a UDAP issue, but I could be wrong.