Need answer like, fast. during the great depression, new deal policymakers came up with mortgage (home loans) and consumer lending policies that convinced commercial banks that: a) consumers would not be willing to use credit, since borrowing money for large purchases had not previously been an option for the middle class. b) they would not be able to compete with loan sharks in the industry of consumer lending. c) consumer credit could be profitable. d) consumer credit was not a profitable industry.