BANKING

Banking

Banking

The United States government is very involved in the banking industry, as it sets restrictions on borrowing limits and the amount of deposits that banks must hold in their vault. Also, the Federal Reserve Bank has a major influence on the bank's profitability, as it sets the interest rates which influence the credit market (loans).

Patterns of financial exclusion coincided with the emergence of many cities. In the second half of the 1970s, many organizations attempted to fight urban housing abandonment by focusing on the problem of access to banking credit. Banks sometimes would neither nurture the potential loan demand of the ...