In a typical DC-DC converter, an error amplifier is used to sense and amplify the difference between the feedback voltage and the reference voltage. In the event of current overloading (limit condition), example embodiments of the disclosed systems and methods of over-load protection with voltage fold-back fold back the reference voltage proportional to the current limit. The regulator may continue to regulate in this fold-back voltage reference condition without shutting down the converter, saturating the inductor, or causing a catastrophic failure at the power FETs. The disclosed systems and methods of over-load protection with voltage fold-back resolve consecutive switching cycle current build up in high input voltage DC/DC convertor applications due to the latency of current limit circuitry.