Typical bank behavior

I gather from reading various news sources that, what with housing prices falling rapidly around the country, banks are beginning to refuse to allow people to draw on their existing home equity lines of credit. (I will refrain from using the dreaded acronym "HELOC." Whoops, I just used it).

Now, unless something has changed recently, banks charge you a fee to have an open home equity line of credit (in addition to charging interest on any borrowings against it). So, my question is, are they still charging their customers a fee when they're not allowing them to use the line of credit? My guess is, yes. Typical bank behavior.