WEST PALM BEACH, Fla. - The majority of voters feel overdraftprotections don't need additional regulatory scrutiny. Overdraftprotection, a burgeoning product among credit unions, was thesubject of the just expired Credit Union Times online voting poll.The question and results are as follows: Overdraft protection hasbeen under the regulatory microscope of late. Some believe theservice, which covers a member's bounced check for a fee, shouldcarry with it an annual percentage rate like those seen on lendingproducts. Others feel that overdraft protection programs shouldn'tbe aggressively marketed by credit unions as they can encouragebounced checks. What do you think? * OD programs should include anAPR - 7.58% * Regulators should rein in aggressive marketing of theprograms - 11.37% * OD programs should include APR and marketingshould be regulated more closely - 15.17% * OD programs are finethe way they are - 61.14% * Not sure - 4.74% Total Votes: 211