Matthew Carello v. Aurora Policeman Credit Union

**What Happened** Matthew Carello sued the Aurora Policemen Credit Union, claiming the credit union discriminated against him under the Americans with Disabilities Act (ADA). However, Carello was not actually eligible to use the credit union's services because Illinois state law prevented him from becoming a member. **What the Court Decided** The federal appeals court ruled against Carello and dismissed his case entirely. The court found that Carello couldn't sue the credit union because he hadn't suffered any real harm that the law could fix. Since Illinois law already barred him from using the credit union's services anyway, he couldn't prove that the credit union's alleged discrimination actually injured him in a concrete way. You can only sue someone if their actions caused you actual harm. **Why This Matters for Workers** This ruling shows that workers must prove they suffered real, specific harm to win discrimination lawsuits. It's not enough to claim discrimination occurred—you must show the discrimination actually hurt you in a measurable way. Workers should also understand that other laws might affect their ability to access services or employment, which could impact their discrimination claims.