Many of the community banks and small businesses that President Obama's lending program is meant to help, say they don't want it.
Fed Chairman Ben Berkanke urged lenders and Congress to take steps towards easing credit to small businesses. Here are some of the obstacles lenders face.
Community bankers say they have plenty of money now, and there isn't the demand for loans. TARP is an unpopular program that some in Congress would like to kill.