Banks are given ratings from "substantial noncompliance" to "outstanding," based on efforts to meet the credit needs of their communities.

Increased volume cut unit costs and enhanced cash flow, reducing credit needs.

Second, loan officers might find it unprofitable to serve the small credit needs and transaction volume of the lower-income population.

The credit needs of the church, growing population and ongoing land transactions required a local bank.

Their huge banks dwarf the size of their economy and are far larger than what they need to service their domestic credit needs.

For that to happen, a strong financial sector is required, one ready and willing to meet the economy's credit needs.

He has focused instead on the middle and lower ends of the market, where credit needs are often more urgent.

The concern was that American investors could not easily finance the Reagan administration's rising budget deficit and also the credit needs of the private sector.

"Housing should begin to slow; auto purchases and revolving credit need to decline," she said.

The act was intended to insure that regulated financial institutions help meet the credit needs of their entire local community, including low-to-moderate-income areas.