Are there any federal laws which regulate the operation and disclosure of optional overdraft protection programs with linked savings accounts, credit cards, and lines of credit, as opposed to courtesy or bounce-protection programs?
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Banks can choose to offer these linked products. There is no requirement that they do so. There are disclosures required, mostly under the Truth in Savings Act (aka Reg DD) that pertain to your deposit accounts and to overdrafts. Some of those will carry over to the linked accounts, but there are none that are specific to just linked accounts.
Credit accounts such as a line of credit may also be linked, but these are covered under the Truth in Lending Act (Reg Z). Again, the laws have been in existence for a long time and apply to the extent that a draw may go to the deposit account, but it isn't specific to just overdrafts.
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Banks can choose to offer these linked products. There is no requirement that they do so. There are disclosures required, mostly under the Truth in Savings Act (aka Reg DD) that pertain to your 