WASHINGTON — A bill to further jump start the economy would be “appropriate” but should include provisions to increases the flow of credit and not increase the deficit too much, Federal Reserve Chairman Ben Bernanke told lawmakers today.

“If Congress proceeds with a fiscal package, it should consider including measures to help improve access to credit by consumers, homebuyers, businesses and other borrowers. Such actions might be particularly effective at promoting economic growth and job creation,” he said in testimony before the House Budget Committee.

Congress is scheduled to return for a post-election lame duck session in November and leaders of both chambers have talked about passing another bill designed to improve the economy. They have said the measure would include increases is unemployment benefits and food stamps and additional funds to improve the infrastructure.

Earlier this year, Congress passed an economic stimulus package that resulted in most taxpayers receiving $300 checks from the government.