What legislative program, established during the great depression, shape consumer lending policies that convinced commercial banks that consumer credit could be profitable industry?

Leveraging credit to escape the great depression is a new deal policy creators derived up with mortgage and consumer loaning policies that convinced commercial banks that consumer credit could be profitable despite bankers long held reluctance to lend to the working class, helps to create mortgage home mortgages and consumer loaning guidelines. In addition, debt is described as semi slavery. World war II fuels an economic recovery was the most important economic event in 20th century, economy improved because war created new jobs and jobs increased pay and make living better. Post world war II consumerism birth of suburbs, american learned to borrow in the midst of prosperity, borrowed because they thought incomes would grow into the future and borrowing became a post-war normalcy.