Ways of increasing access of low- and moderate-income Americans to financial services : joint hearing before the Subcommittee on Financial Institutions Supervision, Regulation, and Deposit Insurance and the Subcommittee on Consumer Credit and Insurance of the Committee on Banking, Finance, and Urban Affairs, House of Representatives, One Hundred Third Congress, second session, August 11, 1994. (U.S. G.P.O. :, 1994)