"Invest in Kentucky" can prove to be an influential force if it chooses to get the discussion started. But it first needs to turn its sights to the right target, and petition the General Assembly to effectuate the change it so desires.
Revenue doesn't just materialize out of thin air: people provide it. So, if you don't like the way a bank does business, don't do business with them at all, and don't limit your message to your checking account.
In August, the Federal Reserve imposed a cap on the fees banks can charge retailers every time customers swipe their debit cards. Why is that important? In addition to banks, consumers may be the biggest losers.
Dr. King spoke of two types of freedom -- one from "chains of discrimination" and one from "a lonely island of poverty in the midst of a vast ocean of material prosperity." Somehow his first message has been taken to heart while his second has been forgotten.
"Financial reform" is a boon for people in the payday loan business. When people fall out of the world of traditional banking, they are still going to need bank-like services. Payday lenders will be in position to fill the gap.