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Your opinion is noted and dismissed due to lack of evidence. The NBER stated the CRA led to riskier lending among CRA loans. It said nothing about "creating an environment."Sadly, you're ineducable. While the CRA may have led to riskier lending, it did not cause the crisis. Greed and opportunity did.Call Sign Chaos, post: 17824346Bush didn't create the conditions that led to the financial market crashing that would be the democrats and the community reinvestment act.
That is a highly opiniated lie, based on very little understanding
Liar.
But a new study by the respected National Bureau of Economic Research finds, “Yes, it did. We find that adherence to that act led to riskier lending by banks.”
Added NBER: “There is a clear pattern of increased defaults for loans made by these banks in quarters around the (CRA) exam. Moreover, the effects are larger for loans made within CRA tracts,” or predominantly low-income and minority areas.
To satisfy CRA examiners, “flexible” lending by large banks rose an average 5% and those loans defaulted about 15% more often, the 43-page study found.
The strongest link between CRA lending and defaults took place in the runup to the crisis — 2004 to 2006 — when banks rapidly sold CRA mortgages for securitization by Fannie Mae and Freddie Mac and Wall Street.
CRA regulations are at the core of Fannie’s and Freddie’s so-called affordable housing mission. In the early 1990s, a Democrat Congress gave HUD the authority to set and enforce (through fines) CRA-grade loan quotas at Fannie and Freddie.
It passed a law requiring the government-backed agencies to “assist insured depository institutions to meet their obligations under the (CRA).” The goal was to help banks meet lending quotas by buying their CRA loans.
But they had to loosen underwriting standards to do it. And that’s what they did.
New Study Finds Democrats Fully to Blame for Subprime Mortgage Crisis that Caused 2008 Financial Disaster
The Federal Reserve reported that only 6 percent of high cost subprime loans made to low- and moderate- income borrowers were originated by lenders covered by the CRA. The overwhelming majority were made by mortgage bankers and brokers not covered by the law.
Speculators, Not CRA, Behind Foreclosures in Black Neighborhoods
The CRA created the environment.
You still haven't listed any statute you dumb fuck. How exactly has he encouraged police to commit crimes you laughable moron?
Quote....?Which Democrat leader encouraged anyone to shoot Republican Congressmen??The treasonous nig oversaw the worst economic growth since the great depression.
Is this cop killer a friend of yours.
Jason Brown, 28, is accused of killing Allan.
CRIME
07/29/2017 01:32 pm ET
Indiana Officer Fatally Shot By Man In Overturned Car He Was Trying To Save
In 2015, Lt. Aaron Allan was recognized as officer of the year.
List the statute and how he violated it you dumb fuck.
Complicity and aiding and abetting, voluntarily encouraging police officers to commit a crime.
Simple:
.
Complicity is the act of helping or encouraging another individual to commit a crime. It is also commonly referred to as aiding and abetting. One who is complicit is said to be an accomplice. But, even though an accomplice does not actually commit the crime, his or her actions helped someone in the commission of the crime.
The concept of accomplice liability means an accomplice faces the same degree of guilt and punishment as the individual who committed the crime. Indeed, accomplices can face the same penalties, including prison time. The key consideration is whether the individual intentionally and voluntarily encouraged or assisted in the commission of the crime, or (in some cases) failed to prevent it.
See FindLaw's Criminal Charges section for additional articles and resources.
What is Complicity or Accomplice Liability? - FindLaw
Trump being president should be more responsible for what he says. That is the main point here.
Oh I see Trump saying something causes violence, but all of the lying communist dimocrats saying something has nothing to do with a bunch of Republican congressional members being shot by a model democratic communist indoctrinated drone !!! You liberal piles of communist shit are so full of bullshit you should moo. every one of you post the talking points bullshit that makes all of your posts worthless drivel and pure lies and propaganda.
The ones who called him mass murderer for wanting to repeal and replace the broken ACA.
Fuck you Trump trollop ....he needs to be arrested and slammed around by Big Police
For what? What is the name of the statute that he violated you ****** dick taking faggot?
Quote....?Which Democrat leader encouraged anyone to shoot Republican Congressmen??The treasonous nig oversaw the worst economic growth since the great depression.
Is this cop killer a friend of yours.
Jason Brown, 28, is accused of killing Allan.
CRIME
07/29/2017 01:32 pm ET
Indiana Officer Fatally Shot By Man In Overturned Car He Was Trying To Save
In 2015, Lt. Aaron Allan was recognized as officer of the year.
List the statute and how he violated it you dumb fuck.
Complicity and aiding and abetting, voluntarily encouraging police officers to commit a crime.
Simple:
.
Complicity is the act of helping or encouraging another individual to commit a crime. It is also commonly referred to as aiding and abetting. One who is complicit is said to be an accomplice. But, even though an accomplice does not actually commit the crime, his or her actions helped someone in the commission of the crime.
The concept of accomplice liability means an accomplice faces the same degree of guilt and punishment as the individual who committed the crime. Indeed, accomplices can face the same penalties, including prison time. The key consideration is whether the individual intentionally and voluntarily encouraged or assisted in the commission of the crime, or (in some cases) failed to prevent it.
See FindLaw's Criminal Charges section for additional articles and resources.
What is Complicity or Accomplice Liability? - FindLaw
Trump being president should be more responsible for what he says. That is the main point here.
Oh I see Trump saying something causes violence, but all of the lying communist dimocrats saying something has nothing to do with a bunch of Republican congressional members being shot by a model democratic communist indoctrinated drone !!! You liberal piles of communist shit are so full of bullshit you should moo. every one of you post the talking points bullshit that makes all of your posts worthless drivel and pure lies and propaganda.
The ones who called him mass murderer for wanting to repeal and replace the broken ACA.
Fuck you Trump trollop ....he needs to be arrested and slammed around by Big Police
For what? What is the name of the statute that he violated you ****** dick taking faggot?
He violated decency itself ,....he goes to the slammer
You still haven't listed any statute you dumb fuck. How exactly has he encouraged police to commit crimes you laughable moron?
The statute would be the same as the one violated by an arresting officer.
Fuck you tiny little Trump bitchette..... he is Guilty as Sin...get over it...that is why he is known as "Crooked Donny"[
List the statute or shut your cock trap.
Quote....?Which Democrat leader encouraged anyone to shoot Republican Congressmen??Is this cop killer a friend of yours.
Jason Brown, 28, is accused of killing Allan.
CRIME
07/29/2017 01:32 pm ET
Indiana Officer Fatally Shot By Man In Overturned Car He Was Trying To Save
In 2015, Lt. Aaron Allan was recognized as officer of the year.
Complicity and aiding and abetting, voluntarily encouraging police officers to commit a crime.
Simple:
What is Complicity or Accomplice Liability? - FindLaw
Trump being president should be more responsible for what he says. That is the main point here.
Oh I see Trump saying something causes violence, but all of the lying communist dimocrats saying something has nothing to do with a bunch of Republican congressional members being shot by a model democratic communist indoctrinated drone !!! You liberal piles of communist shit are so full of bullshit you should moo. every one of you post the talking points bullshit that makes all of your posts worthless drivel and pure lies and propaganda.
The ones who called him mass murderer for wanting to repeal and replace the broken ACA.
Extremist rhetoric boils over in health-care debate, says Jonah Goldberg
Trump Cock scabbard .....****** dick loving faggot.
Quote....?Which Democrat leader encouraged anyone to shoot Republican Congressmen??Oh I see Trump saying something causes violence, but all of the lying communist dimocrats saying something has nothing to do with a bunch of Republican congressional members being shot by a model democratic communist indoctrinated drone !!! You liberal piles of communist shit are so full of bullshit you should moo. every one of you post the talking points bullshit that makes all of your posts worthless drivel and pure lies and propaganda.
The ones who called him mass murderer for wanting to repeal and replace the broken ACA.
Extremist rhetoric boils over in health-care debate, says Jonah Goldberg
That occurred more than two weeks after Scalise was shot. Clearly, their rhetoric had absolutely nothing to do with it.
Lock him up ...lock him up...Lock him up ...lock him up...Lock him up ...lock him up...Lock him up ...lock him up...
Lock him up ...lock him up...Lock him up ...lock him up...Lock him up ...lock him up...Lock him up ...lock him up...
Quote....?Which Democrat leader encouraged anyone to shoot Republican Congressmen??
The ones who called him mass murderer for wanting to repeal and replace the broken ACA.
Extremist rhetoric boils over in health-care debate, says Jonah Goldberg
That occurred more than two weeks after Scalise was shot. Clearly, their rhetoric had absolutely nothing to do with it.
'The View' Host Uses Bernie's Own Words Against Him. And He Explodes...
Quote....?Which Democrat leader encouraged anyone to shoot Republican Congressmen??Oh I see Trump saying something causes violence, but all of the lying communist dimocrats saying something has nothing to do with a bunch of Republican congressional members being shot by a model democratic communist indoctrinated drone !!! You liberal piles of communist shit are so full of bullshit you should moo. every one of you post the talking points bullshit that makes all of your posts worthless drivel and pure lies and propaganda.
The ones who called him mass murderer for wanting to repeal and replace the broken ACA.
Extremist rhetoric boils over in health-care debate, says Jonah Goldberg
That occurred more than two weeks after Scalise was shot. Clearly, their rhetoric had absolutely nothing to do with it.
Quote....?Which Democrat leader encouraged anyone to shoot Republican Congressmen??
The ones who called him mass murderer for wanting to repeal and replace the broken ACA.
Extremist rhetoric boils over in health-care debate, says Jonah Goldberg
That occurred more than two weeks after Scalise was shot. Clearly, their rhetoric had absolutely nothing to do with it.
'The View' Host Uses Bernie's Own Words Against Him. And He Explodes...
Here's just one example...You still haven't listed any statute you dumb fuck. How exactly has he encouraged police to commit crimes you laughable moron?
The statute would be the same as the one violated by an arresting officer.
Provide the statute that was violated and the evidence that Trump directed violation of said statute you laughable fuck.
Quote....?The ones who called him mass murderer for wanting to repeal and replace the broken ACA.
Extremist rhetoric boils over in health-care debate, says Jonah Goldberg
That occurred more than two weeks after Scalise was shot. Clearly, their rhetoric had absolutely nothing to do with it.
'The View' Host Uses Bernie's Own Words Against Him. And He Explodes...
Sanders did not call for anyone to shoot Republicans.. No Democrats did. And saying that thousands will die based on studies issued about people losing ACA is not saying Republicans are mass murderers.
Quote....?Which Democrat leader encouraged anyone to shoot Republican Congressmen??
The ones who called him mass murderer for wanting to repeal and replace the broken ACA.
Extremist rhetoric boils over in health-care debate, says Jonah Goldberg
That occurred more than two weeks after Scalise was shot. Clearly, their rhetoric had absolutely nothing to do with it.
Ten Times Democrats Glorified Violence Against Republicans Since Election Day - Big League Politics
Here's just one example...You still haven't listed any statute you dumb fuck. How exactly has he encouraged police to commit crimes you laughable moron?
The statute would be the same as the one violated by an arresting officer.
Provide the statute that was violated and the evidence that Trump directed violation of said statute you laughable fuck.
Vermont Laws
- § 7. Inciting to felony
A person who endeavors to incite, procure or hire another person to commit a felony, though a felony is not actually committed as a result of such inciting, hiring or procuring, shall be imprisoned not more than five years or fined not more than $500.00, or both. (Amended 1971, No. 199 (Adj. Sess.), § 15; 1981, No. 223 (Adj. Sess.), § 23.)
