What that means is that most of the banks have the ability to hit their small business lending targets by increasing the borrowing limits of their existing reliable customers, whether or not those customers have demanded or want an increased overdraft.

BBC: How banks can fudge small-business lending data

It decided not to test a plan in which customers who were about to make a debit-card purchase but didn't have enough in their account would have gotten an alert giving them the option of buying overdraft protection.

WSJ: Bank of America Weighs New Set of Fees