Federal Reserve Chairman Ben Bernanke, left, is handed an award by John Hope Bryant, founder, chairman and CEO of Operation HOPE, Inc., after Bernanke offered the keynote speech at the Operation HOPE Global Financial Dignity Summit, Thursday, Nov. 15, 2012, in Atlanta.

Bernanke said Thursday that banks' overly tight lending standards may be holding back the U.S. economy by preventing creditworthy borrowers from buying homes. (AP Photo/David Goldman)

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