What's your goal with that? Eliminating regulatory agencies and regulations? The repeal of Glass-Stengal had some repercussions, after all. Or are you lookin

What's your goal with that? Eliminating regulatory agencies and regulations? The repeal of Glass-Stengal had some repercussions, after all. Or are you looking to lodge blame with one or the other of the political parties? (There's more than enough muck to rake, of course.) Or might you be interested in looking at the data, and at details such as the "robo-signing" mess and the questionable legality of the MERS assignments underneath the mortgage securitization (with various mortgage transfers which don't look to have been legally registered) and at the data around the melt-down? And with the recent proposed banking settlement that's underway between various Attorneys General and financial entities, the behaviors probably would have landed any individual in the dock on fraud charges could well turn into a reasonable investment and a write-off for some entities, too. There's more than enough of a mess here. Look at the data. And look at what folks are telling you, and at their motivations for telling you want they're positing. (And while you're at it, have a look at the wealth distribution in the US, too, and what the trends look like for that.) Follow the money, in simplest terms. And that doesn't point to CRA. Some reading: http://www.ritholtz.com/blog/2010/05/rewriting-the-causes-of-the-credit-crisis/ http://www.ritholtz.com/blog/2010/05/rewriting-the-causes-of... http://motherjones.com/mojo/2010/05/dear-gop-fannie-mae-freddie-mac-cause-financial-crisis-subprime-mortgage-gse http://motherjones.com/mojo/2010/05/dear-gop-fannie-mae-fred...