The VFDs I work on, AB Powerflex, have the overload setting done in the VFD software,and can be changed by the HIM (access keypad). The VFD won't allow the motor amperage to exceed the FLA of the motor.
Some operators are button pushers and will change the settings. Some won't.
Password protect the settings. I use a laptop and software to make the changes, as there are some 1,000 parameters that can be changed.