(Sorry to derail, but this is an area where most Americans are simply mis-informed. In simplest terms, TARP allocated $250 billion for the banks. Because much of this was in the form of the Gov't essentially buying those banks' preferred stock, the taxpayer actually wound up
ahead when the stock price rose and the the banks bought their own stock back. (JPMorgan's a good example: $25 billion "lent" - thought JPM didn't need or ask for it - and a profit of over $760 million to the Treasury when they bought the stock back in the summer of 2009.) No doubt there was a lot of waste and abuse in the TARP program overall, and certainly as you point out throughout gov't, but the banks aren't nearly the villians most make them out to be..)
Where Did the TARP Money Go? - BusinessWeek