The Community Reinvestment Act of 1977 affects a bank's application to open a new branch or to merge with another bank. Before approving such an application, the government must determine that the bank is meeting the credit needs of its community.
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In turn, some brokerage houses and large retail chains have begun to offer
such banking services as money market accounts, checking accounts, lines of credit,
IRA's, and mortgages and other loans.
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陸續地, 一些經紀經商及大型零售業已開始提供一些銀行業務, 諸如貨幣市場帳戶, 支存帳戶, 信用額度, 個人退休帳戶, 抵押以及其他貸款。
註: Community Reinvestment Act 簡稱 CRA, 為吉米卡特任內通過之禁止信用歧視法案。主要是希望能幫助收入低, 信用不佳的民眾取得購屋貸款的機會。這個法案要求銀行必須不分貧富種族, 對所有民眾提供相同的投資、借貸機會。
2010-12-13 01:56:45 補充：
內容修正:
1. "(指應用社區再投資法之貸款申請)" 有誤, 請刪除
2. 經紀經商 --> 經紀商