[Toddsterpatriot]

The problem is not lack of loan money. Banks can borrow from FED at zero rates.

Banks can borrow from the Fed at 0.75%.

[entropy12]

That is after a very recent increase of 0.25%.
0.75% is still record low rate.

Lending out at 4% or more after getting money from FED at 0.75% is record percentage profit.

Why does it take 7 years for the academics running FED that this record low rates method does not work?