Credit

When asked who all gets affected by credit, 'everyone' tends to be the only answer. Everyone will end up having to get money from the Federal Reserve, but in different ways. The banks borrow directly from the Federal Reserve and homeowners borrow from the banks. The interest rate was lowered to 1% so banks don't want to borrow from them. They use homeowners mortgages to make more money becuase the interest rate is higher.

http://www.crisisofcredit.com/