Another Work Question using YOU as a customer panel

[Alex]

I know nothing specific and if anything is changing in that regard I'm not currently involved (Bill Pay is not my area).

What I do know is that the world of "free" banking we all enjoy was built on the foundation of banks being allowed to screw people who are stupid about money. Congress has at least significantly jeopardized that foundation. Fees are going to return for many services that have been free over the last 20 years and were subsidized by (congressionally determined) excessive merchant fees for card swipes and (congressionally determined) excessive overdraft fees.

I'm just thinking through some things because the benefits of Bill Pay for banks are secondary. As a line item it loses the bank money (even when done electronically, moving money is not free; plus there are middle men). So I've been thinking through how I might change the system if it comes up (my job requires that three times a year I present a new $5MM NPV idea, regardless of whether it actually goes anywhere).