UNSPSC 64101704: Over draft protection

A line of credit that banks offer to their customers to cover overdrafts. Overdraft protection is initiated when a customer writes a check for more than the amount in their account.

UNSPSC 64101704 Over draft protection is a Commodity code that state and local governments use to procure financial examination, audit, and advisory services—services that protect public funds through independent review of financial institution solvency, municipal financial health, and compliance with applicable regulations and standards. The recent opportunities show state and local buyers soliciting not overdraft account products, but rather financial expertise: insurance regulators examining solvency, counties and cities seeking municipal advisors and financial planners, school districts and transit authorities procuring audit and financial management services, and utilities seeking credit and collection support. The code sees activity across state departments, county governments, municipalities, school districts, and special-purpose authorities including transit systems and utility commissions. Michigan's Department of Technology, Management & Budget and Department of Insurance and Financial Services have posted multiple pre-qualification RFPs for financial examination contractors; Sacramento County, Phoenix, Albuquerque, and the City of Milpitas have posted on-call financial advisory and investment management RFPs; and Orange County Transportation Authority (OCTA), Seminole County, New Mexico Department of Public Safety, and Detroit Department of Transportation have solicited external audit and financial recovery services. Set-aside and preference programs vary by jurisdiction—Michigan law recognizes Service-Disabled Veteran-Owned Business (SDVOB) preferences and Geographically Disadvantaged Business Enterprises (GDBE) subcontracting minimums, while Washington State and other jurisdictions apply voluntary diverse-business participation goals.

Recent opportunities span multiple states with particular concentration in the Upper Midwest and West: Michigan (multiple financial examination pre-qualification RFPs posted August–October 2026), California (Sacramento, San Antonio, El Pueblo Housing in Tucson, DeKalb County School District audit RFP, and others), Washington State (WSAC's GET Shariah-compliance consulting, Washington Student Achievement Council auto-IRA program administration), and Georgia (DeKalb County cost allocation, Clayton County audits, Douglas County financial advisory, Gwinnett County 1099 processing). Representative current opportunities include Michigan Department of Technology, Management & Budget's RFP 260000002108 (Financial Examination Services Pre-Qualification, proposals due September 2, 2026); Sacramento County's RFP 2026GEN0060 (Swap Advisory Services, proposals due August 21, 2026); the City of Phoenix's RFQu-26-0189 (Financial Advisory Services qualified vendor list, sealed offers due May 29, 2026—note: this deadline is in the past relative to posting date of September 29, 2026, indicating a data lag or amendment); and Seminole County, Florida's RFP-5180-26/GCM (External Auditing Services for County Commissioners and Constitutional Officers, submission due April 13, 2026, also historically dated). The code reflects steady, distributed demand across state financial regulators, local treasurers, controllers, and CFOs seeking independent expertise—a profile consistent with annual budget cycles, audit requirements, and periodic capital financing needs rather than transaction-volume or overdraft-product procurement.