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Andorra Map on This merger occurred in 1998, the year before the passage of the Financial Services Modernization Act. Yet, the act was still critical, because it allowed Citigroup to retain its banking, securities, and insurance services. Since the re-merger of investment and commercial banking there have been accusations of tying (given loans only under the condition of receiving I-Banking business) and of large banks giving questionable loans in exchange for I-Banking business. BIBLIOGRAPHY. Eugene F. Brigham and Michael C. Ehrhardt, Financial Management Theory and Practice (South- Western, 2002); Vincent P. Andorra Map 2016.