Richard Durbin actually said...

It is almost a shock to know that 1 out of 4 people in America are unbanked; they have no access to banking services.

Can you point out any bank, or banks, or credit unions, that you think are making an extra effort to address this problem?

It seems that many banks are hell bent for foreclosure.

My last question goes right to that point. The problem I've run into in the foreclosure situation is figuring out who makes the decision.