It's like dealing with miserable Mr. Potter from "It's a Wonderful Life" on a grandiose scale.  The Potters of the lending institution world is a group of abject human beings who literally love to suck the life out of others, in as many creative and self-serving ways as they possibly can.  Now that they are being taken to task, at least to some degree, they are bemoaning the fact amongst themselves and looking for yet more novel ways to wreak havoc upon their misbegotten customers.

From mortgage to credit card lenders, ever-changing policies and highly questionable business behavior continue to grow and mutate.  These wily carnivores are already twisting the forthcoming reformation to suit their need to slowly and painfully financially murder consumers and small businesses.  To them, the slow kill is delicious and satisfying.  And the dream of a global Potter Falls—where the opportunities to maim the citizenry while stripping them of all financial resources are endless—is ever present on their one-track and un-evolved minds.  Do you notice the fatal flaw in their thinking?

The Potters past and present, those unhappy and angry little dictators of the financial world, don't reform without a fight.  Let's give the current bunch a good one.