Mid 90s: "You lenders are 'redlining'. The proof is that you are turning down too many blacks. You better start giving loans to more low-income minorities, or we're going to ramp up our calls of racism and ruin your reputation."
Year 2000: Lenders are offering home loans to everyone who can hold a pen. Low income? No problem. Bad credit? No problem. Spotty job history, no problem.
Year 2007: "How dare you prey on those poor low income minorities by giving them loans they can't afford. You are racist for doing so."
Catch 22...lenders are damned if they do and damned if they don't.