http://online.barrons.com/article/S...196.html?mod=BOL_twm_fs#articleTabs_article=1 Excellent interview. He points out the critical role of CRA and regulatory pressures on lenders to make bad mortgage loans in the market meltdown. Fro example, WaMu was required as a condition of a merger to make a huge amounts of such loans and to funnel money to ACORN and other groups. He also points out what a disaster the GSE sector was and how they are a far bigger problem than anything addressed in Dodd-Frank. He also notes how D-F and particularly the Volcker Rule would have done zero to prevent the crisis.