I just had to respond to the article in the Aug. 18 issue titled "Consumer Groups Urge Fed to Put APRs on Overdraft Protection Programs; CUNA Says APR Would Hinder CUs From Offering Overdraft." For one thing, credit unions should decide what is in the best interest of their credit union and membership. There is no "one size fits all" solution. What works for one may be devastating to another – that's what makes us the same, but different. Overdraft protection is not a line of credit nor is it jeopardizing the relationship between the member with the credit union. If nothing else, it makes the relationship stronger. So what's better, sending the check back and charging the member a fee or paying the check and charging the member? Members would rather have the check paid with a fee, than face the embarrassment of having the check returned and then charged a fee – and the member is given time to correct their balances without additional charge. Who made Jim Blaine the Angel of Responsibility – shame on him! How dare he indicate as he did in the article that we should be ashamed of ourselves if we are offering this service? And if all he can use as ammunition to prove his point is that poor Marine in Iraq, then he needs to join a ministry to preach to. We are all not created equal – he should remember that the next time he jumps up on that pulpit! Liz Rutledge CEO OCHA Credit Union Orange, Calif.