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This practice was outlawed by the 1968 Fair Housing Act , but minority neighborhoods across the country still show signs of being excluded from conventional banking services - - banks are few and far between and neighborhood residents have difficulty securing loans . But communications transmission facilities - - telegraphs , radio stations , and telephone service - - were regulated as scarce resources that had to be protected from overuse . I think the issues are around outsourcing and buying a trust service - do corporates want to create their own capability ( or parts of it ) and manage or do they want to off-load this and focus on core business ? Windows XP offers digital photographers " end-to-end '' processing options , from simple transfer of camera images to the computer 's hard drive , to posting them on the Web or sending them to a photofinishing service - with preference to a Microsoft-affiliated vendor . Since its establishment , PBK has focused its activities on providing corporate banking services - in particular short and medium-term loans to its local clients .