12 U.S.C. § 2901 : US Code - Section 2901: Congressional findings and statement of purpose

      (a) The Congress finds that - 
        (1) regulated financial institutions are required by law to
      demonstrate that their deposit facilities serve the convenience
      and needs of the communities in which they are chartered to do
      business;
        (2) the convenience and needs of communities include the need
      for credit services as well as deposit services; and
        (3) regulated financial institutions have continuing and
      affirmative obligation to help meet the credit needs of the local
      communities in which they are chartered.

      (b) It is the purpose of this chapter to require each appropriate
    Federal financial supervisory agency to use its authority when
    examining financial institutions, to encourage such institutions to
    help meet the credit needs of the local communities in which they
    are chartered consistent with the safe and sound operation of such
    institutions.