Overdraft-protection programs have been under attack by those outside the financial-services industry. Now, thanks to the Federal Reserve's revisions to Regulation E, community bankers have a lot to do to comply with pricing, disclosure and customer opt-in requirements for overdraft-protection fees for ATM and one-time debit-card transactions. The new rules present not just a tricky compliance burden but communication, marketing and pricing challenges as well. Longer-term, new overdraft-product pricing adjustments might be required as well as changes in the structure of free checking accounts. Deciding whom to market overdraft programs to could also become more important. Several banking consultants and overdraft-product/service providers offer advice to help your community bank respond in the short and long term to the Federal Reserve's regulatory changes, including: 1. Inform customers early and often. 2. Prepare staff for customer questions. 3. Decide the scope of your program. 4. Assess the results.