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I don't think banks should be allowed to use the CWA as a cop-out for their irresponsible lending.

I also don't think people should be allowed to use banks as a cop-out for their irresponsible borrowing.

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I also don't think people should be allowed to use banks as a cop-out for their irresponsible borrowing.

Why? Had the bank bothered to check the credit histories of some of the people who applied for loans they would have realized that merely having a pulse isn't sufficient qualifications for a mortgage.