answer:It would affect the profitability of big banks, but not necessarily have nay impact on consumers. If it was big enough, large banks would need to offer products to re-attract consumers, such as free checking and reduced fees. It’s already happened a bit with Bank of America; they’ve had to backtrack on the $5 monthly fee for using an ATM card. The large banks might not be able to fund as many loans or mortgages, especially to businesses. On the other hand, it would allow Credit Unions to offer more credit to consumers, and help parts of the economy that are more directly dependent on consumer demand. So there might be a bump up in car and house buying.