On October 14, 2008, the United States Department of the Treasury announced the availability of its voluntary Troubled Asset Relief Program (TARP) Capital Purchase Program (CPP) for qualifying public financial institutions (QFIs) such as U.S.-controlled banks, savings associations, and certain bank and savings-and-loan holding companies. Through the CPP, the Treasury seeks to enhance the capital bases of domestic financial institutions in an effort to thaw the credit markets and enable the flow of financing to businesses and consumers.
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