Banks and financial institutions discriminate against their customers daily based on economic class, race, sex and for being differently abled. This is done through lending and fee decisions based on discriminatory data related to income inequality. This impacts risk-based pricing on loans, credit score minimums for loan approval, debt to income ratio calculations, loan to value ratio calculations and requirements for primary mortgage insurance, among other policies. In this book I identify and explain discriminatory financial processes that are used each day, in every bank and credit union in America. I then recommend ways for banks and financial institutions to resolve their discriminatory practices - reform. I also recommend ways for customers to "encourage" banks and financial institutions to change - revolt. I have been in banking and finance for nearly two decades. I have worked as a manager, teacher and as a Independent Adviser. Recently I was a Vice President for one of the largest banks in the world where I was responsible for bank issue identification and resolution. I am also a bank customer that has experienced financial discrimination.It is time for financial discrimination to end. It is time for Reform or Revolt!