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Well, we didn't need that third branch, anyway

Banks Steer Customers to Arbitration and Away From Court

Earlier this year, we pondered what would come of class actions in the wake of the Supreme Court’s decision in AT&T v. Concepcion, which authorized companies to require customers to arbitrate their disputes individually.

Companies, it appears, are wasting little time putting the AT&T decision into action.

Some small and regional U.S. banks are prohibiting unhappy customers from taking their complaints to court or joining class-actions, instead requiring them to arbitrate their disputes...

Alan Kaplinsky, a partner at Ballard Spahr who specializes in drafting arbitration agreements for companies, told WSJ that the AT&T ruling “has been a wake-up call for a lot of these companies to at least consider” mandatory-arbitration clauses.

WSJ cites recent data from the Pew Charitable Trusts that nearly three-quarters of 265 accounts offered by the 10 largest U.S. banks included mandatory arbitration provisions.

Here is another baby-and-dog video. Apparently, it's a genre: