31.   The Community Re-investment Act, which was started under President Jimmy Carter, requires banks to make loans in poor neighborhoods if they take deposits from them.

32.   The merger will create a company that could offer new services, take deposits for the first time and improve efficiency.

33.   The other would eliminate many rules on how banks handle the daily business of making loans and taking deposits.

34.   The trouble is that this pattern evolved when taking deposits and making loans were still the main focus of banking.

35.   The three banks raise funds mainly by issuing debentures rather than taking deposits.

36.   They also take deposits from savers.

37.   Unlike U.S. banks that take insured deposits, there are no requirements that they conduct regular audits on their own.

38.   Under the federal Community Reinvestment Act, banks are required to lend in areas where they take deposits.

39.   Until then Osaka Credit Cooperative will continue to take deposits and make loans.

40.   When he takes deposits from his dry cleaning business to the bank, he said, he fears someone will shoot him for his money.