Geo:
I agree with you up to a point. But I don't for one minute doubt that the CRA was the catalyst that initiated the junk mortgage flood. Greed all the way around, business, bank and consumer, eventually took over and spread it until we all nearly drowned.
I too saw what was happening first hand but like everyone else was powerless to stop it.
Jim

The 2nd Amendment IS an unalienable right.