I thank the Minister of State for attending to discuss this important issue. Senator Casey covered much of what I had intended to say. As a member of a credit union, I know credit unions are at the heart of our communities. When I joined my local credit union, it was the confraternity credit union. Applicants had to be members of the confraternity to be admitted and it was restricted to certain streets. If you lived to the left of one street, you could not join, and nor could you if you lived across the road from t…