240.21 (C) Transformer Secondary Conductors. Conductors
shall be permitted to be connected to a transformer secondary,
without overcurrent protection at the secondary, as
specified in 240.21(C)(1) through (6).
FPN: For overcurrent protection requirements for transformers,
see 450.3.
(1) Protection by Primary Overcurrent Device.
Conductors supplied by the secondary side of a singlephase
transformer having a 2-wire (single-voltage) secondary,
or a three-phase, delta-delta connected transformer
having a 3-wire (single-voltage) secondary, shall be permitted
to be protected by overcurrent protection provided on
the primary (supply) side of the transformer, provided this
protection is in accordance with 450.3 and does not exceed
the value determined by multiplying the secondary conductor
ampacity by the secondary to primary transformer voltage
ratio.
Single-phase (other than 2-wire) and multiphase (other
than delta-delta, 3-wire) transformer secondary conductors
are not considered to be protected by the primary overcurrent
protective device.
As Don said you may not have to protect the transformer secondary, but the secondary conductors often do require protection. It is perhaps a subtle difference.