跟美國銀行相關的英翻中翻譯 - 社會議題

The Community Reinvestment Act of 1977 affects a bank's application to open a new branch or to merge with another bank. Before approving such an application, the government must determine that the bank is meeting the credit needs of its community.

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In turn, some brokerage houses and large retail chains have begun to offer
such banking services as money market accounts, checking accounts, lines of credit,
IRA's, and mortgages and other loans.
可以幫我翻成通順的中文嗎? 拜託不要用電腦或翻譯機直接翻譯 謝謝