Thank you.
Basically ACORN's proposal was that the federal government backstop some of what we call the “fair credit benefit” for low- and moderate-income people, which could be administered by the banks. We know the banks will not themselves do this because they don't see any profit in doing so, and they're probably also evaluated on insolvency and stuff.
I think what we were hoping the federal government could do is something like a fair credit benefit, which could be administered by the banks, or even by a non-profit agency. It doesn't need to be a bank.