Questions about Banks

As I understand it, banks are generally for-profit institutions. They charge as much interest as is necessary to make a profit. However, the US Federal Reserve is not a for-profit institution.
Question 1: Does the US Federal Reserve offer loans to individuals who want to kick-start businesses?

Bump

Dassault Papillon: No, the Fed doesn't make loans directly to individuals. It has the authority to institute broad-based lending facilities for financial institutions, as it invoked under Section 13(3) of the Federal Reserve Act, amid the financial crisis. Those institutions can then make loans to individuals.

And, no, banks do not charge "as much interest as it necessary to make a profit." That just isn't true. When the yield curve steepens, their net interest margin rises (i.e., their margin rises, because they borrow short and lend long). If it flattens--as it has in recent years due to Fed policy--their net interest margin falls. But interest rates are determined by supply and demand, though the sheer mass of reserves at the moment has led to an immaterial disconnect between reserve supply and rates (i.e., perpetual downward pressure), which is why the Fed began paying interest on reserves back in 2008.

JohnMaynardKeynes: *material