While federal officials move to implement programs to thaw the credit markets, they should not overlook a vital tool already serving the U.S. banking system: the Federal Home Loan banks.

Credit is the lifeblood of the economy, and the Home Loan banks facilitate a large portion of our financial system's credit needs, rapidly converting a range of loan collateral into affordable funding, so that more than 8,000 banks can extend credit in their communities.

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