Q1:Because the banks are making it more difficult for lower income individuals to open an account, it is stopping people from being able to pay bills and even if the law changes it may still have a long term effect on the people without an account. Were the people that were unable to pay because they only had cash evicted for being unable to pay a landlord and if so, what did they have to do in the mean time while waiting for laws to pass that would allow them to have a bank account?

Q2:Federal regulators are required under the Community Reinvestment Act to make efforts to determine the credit needs of the community. How are the federal regulators supposed to go about determining the specific credit needs of a community where the home income of different people can be vastly different?

Q3: Why must go to the point of renting buses to drive bankers through the neighborhoods that do in-fact have good homes? Is this what it will always take to prove to the bankers that there are good homes in supposedly bad neighborhoods?