Uhh... The original intent of the CRA was to increase minority access to mortgages which is what I said. I did not comment on the percentage of Black/Inuit/Jewish , one legged, lesbian dwarfs who are now in foreclosure.
I understand perfectly well what the intent of the CRA was. So does everyone else, no need to explain.
Just pointing out (from personal experience) that the debate goes much better without making race or ethnicity the focus point. Members of minority groups take this as a personal accusation, when the fact is the minority status is not the important factor, it's whether they repay the loan or not and we really should stick to that.
Unless we're just into offending people for the fun of it (and yes, it can be fun, just pointless)