This article is not at all off topic: the nation’s banking system and how President Obama and banking interests are trying to make it impossible for consumers to bring public banking to America. Yep, when it comes to big money, Obama is no liberal: he is the hand-maiden to his masters, the big banks.
If you don’t like this, then stop complaining, pull your money out of Wells Fargo, BofA, etc. and put it into a credit union.
The difference between a bank and a credit union is simple: banks work for their investors/stockholders and their profits are often sent overseas. Credit unions work for their members (you) who are the “stockholders”) and their money is recirculated back into the local community. Again, that’s you.