WASHINGTON — With small-business credit still sluggish, policymakers and industry representatives spent much of a Federal Deposit Insurance Corp. forum Thursday debating whether government could find a solution, or was itself part of the problem.

Regulatory officials insisted credit can flow amid heightened supervision and still-declining real estate values. They urged lenders to do more holistic underwriting, and not rely on a borrower's collateral values to dictate whether a loan is made.

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