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The bank just reduced my home equity line of credit (HELOC) so that it is equal to the amount I have already borrowed. I am worried that if they reduce the limit any further that it may raise my payment. Is this possible?

No. Federal law prohibits the bank from decreasing your HELOC to an amount below your current balance if it would raise your required payment.

Last Reviewed: April 2021

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on should not be construed as legal advice or a legal opinion of the OCC.

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