I haven't used a power filter in a while, but I recall most manufacturer tank size ratings are for freshwater tanks with saltwater having smaller tank recommendations. Something like the Aquaclear AC50 and AC70 are rated for 50 and 70 gallons, but folks over at nano-reef will use those on tanks as small as 3-5 gallons.
As others have said, it would be near impossible to over filter mechanically, unless you have such a high turnover rate that inhabitants are getting stressed by the amount of water flow (which those two filters aren't going to do in a 20 gallon tank).
You could biologically or chemically over filter if you pull out so many nutrients that corals starve (if you have corals), or it creates a favorable environment for dinoflagellates. You likely won't be biologically or chemically over filtering unless you are using some sort of nitrate or phosphate removal additive/media.