Wells Fargo (WFC) is restructuring how it does home equity lines of credit, requiring most new customers to pay principal and interest over the life of the loans. Per The Wall Street Journal:

By restructuring the product, Wells eliminates the prospect of future payment-shock issues. “The product should be designed to protect the consumer for the long term,” said Brad Blackwell, a mortgage executive at Wells Fargo. “We took this move not only because it’s the right thing to do for our customers, but because we’d like to lead the industry to a more responsible product.”