The government’s $700 billion bank bailout bill has met its goal of helping bring the financial markets back from the brink, but has so far failed to increase lending from the banks who received the taxpayer assistance, a key government overseer reported Sunday in a generally critical review of the program. “On the positive side, there are clear signs that aspects of the financial system are far more stable than they were at the height of the crisis in the fall of 2008,” according to a quarterly report to Congress submitted by the office of the Special Inspector General for the government’s $700 billion Troubled Asset Relief Program. The report, which was authored by TARP’s Special Inspector General, Neil Barofsky, also warned that the Obama administration’s and the Federal Reserve’s policies to support the mortgage market could in fact be creating another dangerous housing bubble.