Debates over access to household and business credit form yet more of the Hayne previews overtaking national newspapers.With the Reserve Bank of Australia set to publish the latest credit growth data in its monthly financial aggregates this morning, strong views have been put around arguments festering for the best part of a year.Brian Hartzer, managing director of Westpac, attempted a contrarian view in an opinion piece for today's Financial Review."Our risk appetite hasn't changed - there are just fewer people walking through the door," Hartzer wrote.For Westpac, Hartzer said, "the recent decline in credit growth was due entirely to a reduction in new applications: average approved loan sizes actually increased slightly, while our approval rates remained unchanged.""Let's be clear: we want to lend … as to the perception that the royal commission has made banks scared to lend, for Westpac this is simply not the case."Kate Carnell, the small business ombudsman, revisits the more bearish view in The Australian."If we don't fix this, it is actually heading toward a credit squeeze for small business," Carnell told The Australian.Carnell said banks were more risk-averse on loans and providing "a lot of rhetoric" rather than action.