The problem isn't so much who banks lend to, it's who Americans give their vote to. Here's a room full of elected doofuses who pass a law and then get all judgmental when the law goes into effect. In the future they should pass a law they like instead of scapegoating some third parties. Maybe the law should actually be written by a member of congress instead of a lobbyist. And maybe they should read the law before they vote on it.