The financial industry has seen a good amount of change in recent years, not all of it positive. From ridiculous fees to declining customer service, several developments have led people to call for changes in the banking industry.

At Ally, we believe that having open conversations with our customers and the greater financial community is the first step in making positive changes in the banking industry. That’s why we want to hear about the changes you’d like to see in the banking industry in 2012.

Would you like to see the return of debit card rewards programs? Fewer bank fees? Leave us your thoughts in the comments, or tell us on Facebook or Twitter. We’ll post a round-up of our favorite ideas from you, and share them with everyone.

What changes would you like to see in the financial industry in 2012?