Congress evidently intends to pass legislation that will encourage banking industry consolidation, draw new investors to the industry, andexpand bank services. The legislation will affect the agribanking sector, forcing high cost providers out of the industry and encouraging "one stop shopping" for farm equipment and financing. However, business will still be there for specialists, and new loans will be made to non-farmer investors in agriculture. Loans for asset purchases will decline to younger farm operators, hit hard by 1980s economic problems.