In case you're still blaming CRA for the financial crisis

you should read this commentary by Daniel Gross at Slate. It's all worth reading and hard to snip, but I'll give you this since I know how some of you love your Krauthammer:

I await the Krauthammer column in which he points out the specific provision of the Community Reinvestment Act that forced Bear Stearns to run with an absurd leverage ratio of 33 to 1, which instructed Bear Stearns hedge-fund managers to blow up hundreds of millions of their clients' money, and that required its septuagenarian CEO to play bridge while his company ran into trouble.