and omitted the role that governmental regulations concerning "fair
lending " practices played...  Those regulation were used by groups
like ACORN to force banks to lend to less the credit-worthy or home
buyers without a down payment...  And Congress over 20 years
(especially Clinton's regulations) force the banks to engage in sub-
prime lending...

While not the cause of the problem, this surely was one primary factor
in the development of the "new" wall street financial products that
now are so toxic...  To omit any mention of them is another example of
bad journalism by those who loudly profess the "gold standard"...
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