Radical change is possible in the banking sector. It's already happened, actually. Over the past 30 years, the U.S. banking sector went from one dominated by small, community banks to one dominated by massive, global banks. Public policy was a major driver of that shift. Some have spent the last decade or longer searching for ways to restore some community-mindedness to the banking sector. We can’t possibly list them all, but here are some of the ones we’ll be watching closely as the COVID-19 pandemic drags out into an economic recession and eventual recovery. Native American Bank is mentioned.