In 2001, tax cuts approximately the size of projected on-budget surpluses were passed. Defense and homeland security spending increased in the wake of the attacks on September 11, 2001, and other nondefense domestic spending also increased at a substantially faster rate.
Return to text 5 In this study, lending by Minority Depository Institutions and Community Development Financial Institutions is  included in the lending data for small (community) banks. Return to text 6 The scope includes execution of safety and soundness and consumer compliance supervision, risk  identification, and analytical activities. The scope excludes other System Supervision activities, such as training, applications, enforcement, and policymaking.