On Oct 3, 2008, at 1:34 AM, LuKreme wrote:

> On 2-Oct-2008, at 02:25, Stefano Mori wrote:
>> Does that have anything to do with this:
>>
>> http://www.ffiec.gov/cra/history.htm
>
> Yes, in some very small part. But this was merely a single step in a
> long history of dismantling the protections and restrictions on banks
> that were instituted after the 1929 crash.


As a way of bolstering your point, I was doing a little reading  
yesterday that suggested that CRAs were a relatively small part of the  
problem because they (naturally enough) tended to be small mortgages,  
but also because CRA only applied to depository institutions, which  
were responsible for only about 20% of the bad mortgages out there.

-Patrick

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