Incentives in the new bank law to increase lending and services to the poor are not likely to be used because of insufficient government funds, the Consumer Bankers Association told its members in a recent newsletter.

The Bank Enterprise Act that was included in the Federal Deposit Insurance Corp. Improvement Act, passed on Nov. 27, offers insurance-premium discounts to banks that offer low-cost "lifeline" accounts to the poor or increase lending in distressed communities.

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