Wal-Mart has never done anything on a small scale. It has a pattern of entering communities and using predatory pricing practices ... to run competitors out of business.

It's going to allow us to do (more) new product development. We've had our phone ringing pretty consistently with new opportunities, and some of them have looked really interesting.

There's every reason to believe a Wal-Mart bank would operate with the same recklessness of its retail operation.

The most important thing about the new law is that it will protect vulnerable consumers from getting caught in an endless cycle of debt.