For example, all banks can borrow funds under the Federal Reserve Term Auction Facility, which operates much the same as the discount window, but offers longer terms. And Regulation D was recently modified to allow community banks to earn interest on excess reserves held in bankers' banks on a pass-through basis.
So I hope that from these examples you see that the interests of community banks have been considered in many aspects of the government's effort to return financial stability. Federal Reserve initiatives to promote the strength of minority depository institutions Recently, the markets have shown signs of modest improvement, suggesting that government support of the financial system is having a positive effect.