[Top Rated] Banking Terms...

Concerns in the late 1970s about bank lending to LMI neighborhoods were based on a lack of data. The Fed had only one field office in the country, and most bank supervisory authorities didn't have any data at all about LMI neighborhoods. The Fed issued the first of its two major surveys of LMI neighborhoods in 1979, but the survey lacked funding for continued monitoring. By 1981, the number of LMI communities had grown to 57, yet the Fed had no way of knowing whether banks were lending to them. The Fed then supported another survey of LMI communities in 1983, but the funding for this second survey only covered the period from 1980 through 1981, and didn't cover the first half of the survey period.

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