Tim Scott actually said...

the fact of the matter is that with better information provided by staff, the number is around four million under- and unbanked households

There is no doubt that the number of members at credit unions are higher.

in Section 1022 of Dodd-Frank, it states plainly that the Bureau, by rule, may conditionally or unconditionally exempt any class or covered ...

It certainly appears to me that the consolidation within the banking space has led to more access and opportunities for smaller credit union...