I've noticed changes in the way banks do business. Holding on to your certified checks longer than normal, companies, logging electronic refunds but not paying you for up to 21 days, even though they took the money out as soon as the transaction was done. These have always worked this way, but the time limit is doubled and often tripled.

Meanwhile, credit card companies continue to rake the public with outrageous fees for overdraft or overlimit fees. They'll do this on a small overdrafts or balances.....say $7. They raise your interest rate and charge you $29-$35 fee. This racks up if your're living paycheck to paycheck and takes money from the poorest people who can afford it least. Students, lower income families, people on a budget, etc...