Obama&#x27;s Consumer Financial Protection Bureau [0] and related initiatives provide an advocate in disputes with banks, limits and disclosure requirements on fees, etc. The CARD Act of 2009 also standardized credit card rate and fee disclosures.<p>On the non-regulatory side, there&#x27;s not much meaningful pushback against the big banks, but you can choose to opt out of them by banking with a local credit union (university, employer, city, etc.) or potentially an internet bank like Ally or Simple.