Reply #6: In defense of the banks..........

[Uben]

.......and believe me, I hate to take that side, they are being scrutinized by the so-called "stress test" to make sure their solvency is sustainable. In order to do that, a lot of them HAVE TO build back up their reserve accounts to fall in line with industry standards. I understand the logic behind their actions, and I understand why they needed the infusion of cash to help build up their reserves. I just hope the "lack of available loans" is due to their attempt to be responsible lenders.