But Nessa Feddis, vice president of the American Bankers Association, says it's not at all clear that lenders are targeting specific groups of customers.

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Case in point: This week some notable scientist bloggers unloaded on a book review in the Guardian of The Epigenetics Revolution by Nessa Carey.

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Nessa Feddis, senior counsel with the American Bankers Association, said that banks tend to be sticklers about tax rules, because they operate in such a regulated industry.

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