A major change is underway in the relationship between mainstream financial institutions and the U.S. Latino population. From small independents like Second Federal Savings in Chicago to the nation's largest retail bank, Bank of America, these institutions display an intense and fundamentally new interest in the banking potential of this group. Also governmental and international lending entities such as the Federal Deposit Insurace Corporation (FDIC), the Federal Reserve Banks, and the Multilateral Investment Fund (MIF) are turning their attention to integrating the underserved Latino consumer base into the banking sector.