[Fee]

I disagree with your characterization of the loan applicant, mortgage originator and etc as innocent participants taking advantage of loose requirements. The CRA and other fed programs allow the banks to overlook some of the loan applicant’s qualifications if the person is low income and etc. This did not apply to high income investors or people who do not fall under the CRA. Nor does it mean Moody can assign false ratings to mortgage backed securities or the bank can bundle liar loans into portfolios and label them as conventional high quality loans and sell it to the re investor market. These people already made their money and if not investigated and punished are laughing to the bank and will repeat this scheme in the near future. If you do not punish white collar criminals they will return to repeat the crime again.

[usconservative]

I disagree with your characterization of the loan applicant, mortgage originator and etc as innocent participants taking advantage of loose requirements

Please cite in context where I characterized anyone as being 'innocent.'

TIA.