For instance, working with minority loan officers improves credit access for minority borrowers, which suggests that underrepresentation of minorities among loan officers adversely impacts minority access to credit. 37 And we regulators need to focus on our own diversity as well. See Barr, Mullainathan & Shafir (2012). See, e.g., Consumer Compliance Supervision Bulletin, July 2018. Board of Governors of the Federal Reserve System https://www.federalreserve.gov/publications/files/201807-consumercompliance-supervision-bulletin.pdf.
The system is expected to become operational in the early part of 2007. The system will handle the following payments: -  Person-to-person  -  Bill payments  -  Payments for purchases at point of sale  -  Internet purchases  and many more. We have already negotiated an agreement with Etisalat, to provide this service through their mobile phone network.