The provision of SME and Agribusiness finance likewise has been lower than necessary to support significant growth in this important sector of the economy. Based on National Baseline Survey Report (2012) only 10.6 % of MSMEs have access to finance from 2  BIS central bankers’ speeches  formal institutions.
However, combating bad lending practices, including deliberate fraud or abuse, may require additional measures. Under the Home Ownership Equity Protection Act (HOEPA), the Board has the responsibility to prohibit mortgage lending practices that it finds to be unfair and deceptive.