Many americans are aware credit reports are crucial to getting a loan, many have no idea that a similar report is used for bank accounts. now, the database does include information on bounced checks, overdrawn accounts and other fees. so far it's prevented more than 1 million low-income americans from having access to bank accounts due to in many cases minor past errors on their reports. now, the report has even prompted an investigation by the new york state attorney general. joining me live is the author of the report, jessica silver greenberg. thank you for your time. launching off, people ...