The most powerful banks in California and the nation are failing to meet the financial services and credit needs of residents and businesses in the San Joaquin Valley. Bank of America, JPMorgan Chase and Wells Fargo (the "Big 3 banks") provide a lower level of affordable consumer, housing and small business lending and services to Valley residents and businesses than they do to consumers in other parts of California. Bank regulators contribute to this failure because they do not enforce the necessary attention from banks to nonmetropolitan areas like the Valley. As a result, the San Joaquin Valley lags in growth -- a bleak fact that has become increasingly apparent during the current economic recovery. The report documents disinvestment in the San Joaquin Valley.