As innovations create new financial instruments, services, and markets, and as banks expand the scope of the financial services they offer, the process banks use to make business decisions is similar to the process many of you apply in your own business. Financial institutions are trying to build customer loyalty by offering a broader menu of financial services to corporate customers.
Some of these financial services are more profitable than others, and thus, add greater shareholder value. The concern addressed by anti-tying restrictions is that banks may force customers to take unwanted products in order to obtain needed services - primarily loan products. As a brief background, a special anti-tying statute applies to banks.