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The banking industry will limit its services in the poorer areas of the community. "In order to be effective and respected, the financial institution must represent the community and have the willingness and ability to stand up for the community's concerns" (Dickerson 1). Financial institutions should invest in and serve the needs of all segments of their communities. Anything that reduces value will affect local communities. "Giant banks could institute higher fees and rates, change credit terms and corporate lending relationships, or choose not to renew a line of credit that isn't deemed profitable enough" (Kidder 2)...
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