Zaid, Altukhi2022-01-202022-01-202021-04-28https://hdl.handle.net/1920/12226The American Rescue Plan of 2021 cause consumers to spend and put money back into the economy in the COVID19 pandemic. As we begin to see light at the end of the tunnel, this is good news for the banking industry and especially beneficial to the working-class people.Here is the reality; in able for the banks to grow, the banks need people, and the people need banks for its money. It's a very simple complex but yet simple relationship. Think of it as one hand washes the other. Institutions such as banks can only become bigger if they are able to profit and capitalize from the interest it gains from its borrowers.Attribution-NonCommercial-NoDerivs 3.0 United StatesCreditworthinessMachine learningDiscriminationFinanceWorking Paper