Federal Reserve Chairman Ben Bernake explains what is now known as the stress test, or Supervisory Capital Assessment Program (SCAP). He says the test determines the capital needs of the largest financial institutions. He notes that the majority of institutions that received the assessment have raised equity in public markets, and 10 of the largest U.S. bank holding companies have repaid almost $70 billion to the Treasury. (0:35)

 

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Federal Reserve Chairman Ben Bernanke says it is acceptable for banks to be loaning to individuals with good credit. (0:27)

 

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