Additionally, the Problem right now is that a lot of people aren't getting loans because the fed keeps interest rates so low, making lending much riskier as you make less profit per loan.... Which they can't change because while the stock market is booming right now, it's a government assisted boom, and when the "punch bowl" gets taken away, the stock market will take a big hit.
AND they have deposit rates really high, so you make a bunch of money NOT loaning out money... again making loans much riskier... keeping out the middle class along with the poor.
Attempting to push "poor" lending like they did before the GFC would be weird... as it would probably create a market where the Rich and upper middle class could get loans, as well as the poor...
But if you are middle class... your sort of screwed and caught in the middle, since the banks don't make enough off your loans to risk it... and the government isn't paying them to make the loans.
