It's a little more complicated than that. <a href="http://www.federalreserve.gov/Pubs/regcc/regcc.htm" target="_blank">http://www.federalreserve.gov/Pubs/regcc/regcc.htm</a> The Feds had passed a law a while back insisiting that banks expedite the availabilty of funds to you and I. I agree about the patent infringement issue however the Fed started this in the first place because the banks were screwing us.