The answer is, not necessarily, as long as the provision of liquidity complies with the requirements of any of the two sources of central bank liquidity I just described. These requirements are even more strict in the case of monetary policy liquidity than for emergency liquidity assistance.
A recent nationwide survey of bank-sponsored financial literacy programs at fourteen of the largest twenty-five banks, as well as other smaller banks, noted a consistent increase in the number of financial institutions that support financial education initiatives. Bankers who responded to a 2003 Consumer Bankers Association survey reported that 98 percent offer financial literacy programs or work with partners that support such efforts.