Nope they can't force them to make a loan.......they can, and did, say to make loans or they would regulate the banks again and cause other problems. The banks did it and then as soon as they mad the loan they sold them closing out their books on it. After the interest, which was below what you and I would pay, went up the people could no longer afford to pay them. And so it snowballed.......here we are. In nut shell.