Yes, Kevin Erdmann’s writings were what I was thinking of when I said that lending has been restricted since the Great Recession. He does identify “Closed Acces

Yes, Kevin Erdmann’s writings were what I was thinking of when I said that lending has been restricted since the Great Recession. He does identify “Closed Access” supply restrictions as the original sin that the Fed misinterpreted as a speculative bubble. I highly recommend his blog and books.