Federal law provides two options. The first is, the lender can require you to request reinstatement of your original credit line when the circumstances permitting the reduction or freeze have changed, so long as it informs you how to request such reinstatement. If your credit union notified you of the process for requesting reinstatement of your credit line, you should follow that process. If you are uncertain about the information your credit union requires, you should contact the credit union. However, be prepared for the credit union's requirement for an updated appraisal at your cost.
The second option is the lender can monitor the HELOC on an ongoing basis to determine whether the circumstances permitting the reduction or suspension continue to exist. If the credit union is monitoring the HELOC, you do not have to request reinstatement of the original credit line.