Northwest resources, inc., and midwest commodities corporation are exporting firms that join together to export a line of products. northwest resources and midwest commodities apply to commerce bank for a loan to fund their effort. under federal law, commerce and other u. s. banks area. banned by statute from opening such credit lines. b. asked by enforcement agencies to report such requests. c. discouraged by administrative rules to make such loans. d. encouraged by credit guaranties to lend such funds.