While there are many causes of the current problems we face. A large part of the root cause of the credit crisis is the Community Reinvestment Act. A high minded law wrote and passed into law by Democrats, and Pushed on lenders. Billed as help for the poor and minorities to get a home, and to stop what the Dems called unfair lending policies. Basically what it did was force lenders to make bad loans to people who could not afford them, in the name of fairness. The Dems claimed the Banks were only lending to the wealthy. Of course what this ignores is that for the most part they were only lending to "the wealthy" was because those are the people who can afford to pay back loans. Now I know on this Liberal dominated board I will simply be dismissed and attacked for this post, but I suggest any of you who are open minded google the CRA and really read about it. If you do you will see that it is really a map of point to Point of how we got to the place we are now. The instructions it made to Fanny and Freddy are the smoking gun. It instructed them to do what ever it took to enable low income people to secure loans for homes. It also laid out the instructions on how to put those loans into securities to be traded on the market. The CRA is why when Nancy Pelosi says the Dems hold no responsibility in this Crisis she is telling you a bold faced lie. The CRA is surely a large part of the cause.