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How have bank fees changed in the last 20 years? What is the purpose of fees...

How have bank fees changed in the last 20 years?

What is the purpose of fees and penalties: to cover administrative costs, to encourage timely payments, to increase profits, and/or to increase a significant additional revenue stream?

Harvard Law Professor Elizabeth Warren tells us that she wrote to Alan Greenspan, former Chair of the Federal Reserve, and asked him what the “end plan” was, given the rising debt levels of individuals and the American government. He didn’t reply, but . . . what might he have replied?

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