It used to be, "The proof is in the pudding." Now it's more like, "The proof is in the poop."
Obama's administration is totally FUBAR ... the haves are supposed to support the have-nots. The banks have money and the have-nots need housing so the banks should start making more loans.
Flip side: The banks are not supposed to make any stupid loans like they did before because the American taxpayers have already bailed them out once.
Without a doubt it will, they are already being pressured to make loans to people who would probably be better served not going into debt.
Until people, (government included), realize they need to live within their means, and lower their lifestyle if need be, then we are all going to be at risk.