Title XII Overview: Improving Access to Mainstream Financial Institutions

American Bankers Association Contacts

Cecelia Calaby (202) 663-5325

Dechert LLP Authors

Thomas P. Vartanian (202) 261-3439  
Robert H. Ledig (202) 261-3454
David L. Ansell (202) 261-3433


Title XII is intended to improve the access of low- and moderate-income individuals to mainstream financial products. It seeks to accomplish this objective through three programs, none of which are mandatory for financial institutions.

The following links provide expanded analysis within this section: