[wartman]

How did the democrats "demand" poor people, people who could not afford these loans, be given these loans? What forced banks to underwrite these loans? A banks does not have to lend to anyone who can not afford the payment!

All you need to do is study history.

http://en.wikipedia.org/wiki/Community_Reinvestment_Act

[sirchtruth]

http://en.wikipedia.org/wiki/Community_Reinvestment_Act

I understand this. Banks are not going to lend to people who can not afford a loan. Why did they lend to these people who clearly showed they could not afford the mortgage.

CRA has nothing to do with affordability.