It will take more than a guilt trip to boost credit. With Citigroup (C) and Wells Fargo (WFC) joining JPMorgan Chase (JPM) and Bank of America (BAC) in repaying their rescue funds, the feds have lost a big lever for lending. Not that the Troubled Asset Relief Program proved effective in getting credit flowing again. Even when they had the federal funds, banks hunkered down in the face of losses. Loan originations totaled just $239 billion in September, down 14% from the average of $279 billion in the previous six months, according to a Treasury survey of the 22 biggest bailout recipients. Without TARP over their heads, bank CEOs are even less likely to lend.