While Treasury mulls help to the best borrowers, Bernanke urges aid to those facing foreclosure.
Congress should change the rules and let homeowners break into their retirement funds.
Rescue plan leaves troubled mortgage-backed securities on bank's balance sheet.
Some economists have reservations about recent moves to rescue the economy.
The money will go to unfreeze mortgage and consumer lending.
The bank's struggles suggest government measures have not stemmed market uncertainty.
Ahead of the G-20 summit on the financial crisis, many are eyeing Japan's huge foreign reserves. But Tokyo is reluctant to use them on struggling nations.