Shiver me timbers! A banking industry lawsuit to prevent financial services to low-income communities? I have been following Credit Union Times' coverage of the ABA lawsuit challenging a Utah credit union's attempt to expand their FOM into low-income communities. This just cracks me up beyond belief. These areas are called “underserved” for a reason. What message is the ABA trying to send to low-income communities? That payday and predatory lenders can meet all of the financial service needs of low-income communities? I applaud the efforts of all credit unions (and banks) that are expanding their affordable services into low-income communities. Jeff Wells Credit union volunteer for 29 years (and former banker) (Editor's Note: Wells is co-founder of the Santa Cruz Community Credit Union. He currently serves as the chairman of the NFCDCU Capitalization Committee.)