Returning to a normal credit environment in the United States will be difficult, but the Federal Reserve will do everything it can to encourage to such a return, Elizabeth Duke, a governor at the Federal Reserve, has said.

"Credit plays a critical role in our economy. That is why policymakers invested so much money and energy into ensuring the survival of our financial system. There really is no single step that can be taken to quickly unclog all lending markets. Just as the causes for the