So why is it that we can't get a loan to buy or refinance a house. And why can't we find a job at decent wages? It's like a near bank collapse never happened 5 years ago. Americans haven't had a 5% increase. I guess if Romney got elected it be 7% rather than just 6.6 percent:
U.S. banks earned more from July through September than in any other quarter over the past six years. The increase is further evidence that the industry is strengthening four years after the 2008 financial crisis.
[...]the increase in consumer lending was "relatively modest" and regulators would like to see more of it, FDIC Chairman Martin Gruenberg said.