Write about primary or secondary research papers (e.g., GAO reports or academic/non-profit research papers; not news articles).

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Write about primary or secondary research papers (e.g., GAO reports or academic/non-profit research papers; not news articles).MEMO Program Description Objective ECIP’s primary aim is to provide direct and indirect investments in subordinated debt to eligible Community Development Financial Institutions (CDFIs) and Minority Depository Institutions (MDIs). This financial support facilitates these institutions in offering loans, grants, and forbearance to small businesses, particularly in low-income and underserved communities (Treasury Department). Administration The Treasury manages ECIP, which entails granting preferred stock or subordinated debt to nationally insured depository organizations, banks or savings and loan holding corporations, and government insured credit unions (GAO). The program encourages institutions to meet specific benchmarks for increasing qualified lending to receive a reduction in dividends or interest owed to the Treasury.






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