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Old 03-28-2013, 06:41 AM  
bevischief bevischief is offline
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New study confirms economy was destroyed by Democrat policies

New study confirms economy was destroyed by Democrat policies

Economy
December 21, 2012
By: Robert Moon

A new study from the widely respected National Bureau of Economic Research released this week has confirmed beyond question that the left's race-baiting attacks on the housing market (the Community Reinvestment Act--enacted under Carter, made shockingly more aggressive under Clinton) is directly responsible for imploding the housing market and destroying the economy.

The study painstakingly sorted through failed home loans that caused the housing market collapse and identified an overwhelming connection between them and CRA mortgages.

Again, let's review:

-President Bush went to Congress repeatedly for years warning them that Fannie Mae and Freddie Mac were going to destroy the economy (17 times in 2008 alone). Democrats continuously ignored him, shut down his proposals along party lines and continued raiding the institutions for campaign contributions on their way down.
Fox News shows timeline for economic meltdown
Timeline shows Bush, McCain warning Dems of financial and housing crisis; meltdown

-John McCain also co-sponsored urgently critical reforms that would have prevented the housing market collapse, but Democrats shut that down as well, along party lines, and even openly ridiculed anyone who suggested reforms were necessary...to protect their taxpayer-funded campaign contributions as the economy raced uncontrollably toward the cliff.

-No one was making bad loans to unqualified people until Democrats came along and threatened to drag banks into court and have them fined and branded as racists if they didn't go along with the left's Affirmative Action lending policies...all while federally insuring their losses. Even the New York Times warned in the late 1990s that Democrats continuing to force banks into lowering their standards would lead to this exact catastrophe.

-Obama himself is even on the record personally helping sue one lender (Citibank) into lowering its lending standards to include people from extremely poor and unstable areas, which even one of the left's favorite blatantly partisan "fact-checkers," Snopes, admits (while pretending to 'set the record straight').

-Even The New York Times admitted that there is "little evidence" of any connection between the "Republican" deregulation measures Obama blames, like the Gramm-Bleach-Liley Act (signed into law by a Democrat), and the collapse of the housing market.

But non-Fox media have spent years deliberately and relentlessly inoculating people against the facts, training them to mindlessly blame Bush for being in charge when Democrat policies destroyed the economy. So here we sit, to this day, still watching Obama excuse and shrug off endless economic failures, illegal government takeovers and utter national bankruptcy with zero accountability.
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Old 03-28-2013, 10:46 AM   #16
'Hamas' Jenkins 'Hamas' Jenkins is offline
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The old CRA boogeyman again.

This has been thoroughly debunked.

CRA loans defaulted at lower rates than unregulated subprime loans, including commercial real estate and loans from mortgage originators like Countrywide, who weren't subject to CRA regulations.

You want to know who's really at fault? Idiots like the OP, because your wanton lack of critical thinking skills is what allows for things like the subprime crisis to happen, because you try and oversimplify an incredibly complex system into an easily digestible answer. Consequently, you don't actually look for causes, you look for reasons to satiate your confirmation bias, which insulates guilty parties from scrutiny and the system from real change.
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Old 03-28-2013, 10:55 AM   #17
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Originally Posted by FD View Post
I've actually read this study, its a very important look at the effects of the CRA. It comes to the exact opposite conclusion that this article describes, however. It finds that loads pushed under the CRA were LESS likely to default during the crash than other loan, and that the CRA did not contribute to the housing bubble or crash.
.
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Old 03-28-2013, 10:56 AM   #18
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Originally Posted by 'Hamas' Jenkins View Post
The old CRA boogeyman again.

This has been thoroughly debunked.

CRA loans defaulted at lower rates than unregulated subprime loans, including commercial real estate and loans from mortgage originators like Countrywide, who weren't subject to CRA regulations.

You want to know who's really at fault? Idiots like the OP, because your wanton lack of critical thinking skills is what allows for things like the subprime crisis to happen, because you try and oversimplify an incredibly complex system into an easily digestible answer. Consequently, you don't actually look for causes, you look for reasons to satiate your confirmation bias, which insulates guilty parties from scrutiny and the system from real change.
And this
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I'm just a little pussy from Iowa
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KC native Forgot to Remove His Claytex and Got Toxic Shock Syndrome.KC native Forgot to Remove His Claytex and Got Toxic Shock Syndrome.KC native Forgot to Remove His Claytex and Got Toxic Shock Syndrome.KC native Forgot to Remove His Claytex and Got Toxic Shock Syndrome.KC native Forgot to Remove His Claytex and Got Toxic Shock Syndrome.KC native Forgot to Remove His Claytex and Got Toxic Shock Syndrome.KC native Forgot to Remove His Claytex and Got Toxic Shock Syndrome.KC native Forgot to Remove His Claytex and Got Toxic Shock Syndrome.KC native Forgot to Remove His Claytex and Got Toxic Shock Syndrome.KC native Forgot to Remove His Claytex and Got Toxic Shock Syndrome.KC native Forgot to Remove His Claytex and Got Toxic Shock Syndrome.
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Old 03-28-2013, 10:57 AM   #19
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Originally Posted by CoMoChief View Post
Our economy is destroyed because both parties work for the same corporation interests that have hijacked our govt and passed legislation in such ways that benefit them and their buddies.

Our govt gives a damn about themselves and their friends, not the American people.

Plain n simple.
yes, Yes, YES!
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Old 03-28-2013, 10:57 AM   #20
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Originally Posted by LOCOChief View Post
om: georgewbush-whitehouse.archives.gov/news/releases/2008/10/20081009-10.html

•September: Then-House Financial Services Committee Ranking Member Barney Frank (D-MA) strongly disagrees with the Administration's assessment, saying "these two entities – Fannie Mae and Freddie Mac – are not facing any kind of financial crisis … The more people exaggerate these problems, the more pressure there is on these companies, the less we will see in terms of affordable housing." (Stephen Labaton, "New Agency Proposed To Oversee Freddie Mac And Fannie Mae," The New York Times, 9/11/03)

I've been pointing this out from the get go.

Barney is they guy who was put in charge of reforming the banks after the shit hit the fan.


Anyone who doesn't believe the post above can simply google his C-Span rants stating “these false assessments erode the US consumer’s confidence in our two greatest GSE's"

Barney Frank is one of the biggest scumbags to ever hold an office and in large part destroyed our economy.
Hey it is the bank teller that knows nothing about banking.
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Originally Posted by Iowanian View Post
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Old 03-28-2013, 10:59 AM   #21
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Originally Posted by BucEyedPea View Post
yes, Yes, YES!
Stupid bitch is stupid.
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Quote:
Originally Posted by Iowanian View Post
I'm just a little pussy from Iowa
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KC native Forgot to Remove His Claytex and Got Toxic Shock Syndrome.KC native Forgot to Remove His Claytex and Got Toxic Shock Syndrome.KC native Forgot to Remove His Claytex and Got Toxic Shock Syndrome.KC native Forgot to Remove His Claytex and Got Toxic Shock Syndrome.KC native Forgot to Remove His Claytex and Got Toxic Shock Syndrome.KC native Forgot to Remove His Claytex and Got Toxic Shock Syndrome.KC native Forgot to Remove His Claytex and Got Toxic Shock Syndrome.KC native Forgot to Remove His Claytex and Got Toxic Shock Syndrome.KC native Forgot to Remove His Claytex and Got Toxic Shock Syndrome.KC native Forgot to Remove His Claytex and Got Toxic Shock Syndrome.KC native Forgot to Remove His Claytex and Got Toxic Shock Syndrome.
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Old 03-28-2013, 11:03 AM   #22
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Stupid bitch is stupid.
stupid muther ****ing idiot is you.
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Old 03-28-2013, 11:06 AM   #23
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Originally Posted by CoMoChief View Post
Our economy is destroyed because both parties work for the same corporation interests that have hijacked our govt and passed legislation in such ways that benefit them and their buddies.

Our govt gives a damn about themselves and their friends, not the American people.

Plain n simple.
it doesn't end there. the end game is to rid the USC -- to end "america". pretty much there too.
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Old 03-28-2013, 11:08 AM   #24
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Originally Posted by 'Hamas' Jenkins View Post
The old CRA boogeyman again.

This has been thoroughly debunked.

CRA loans defaulted at lower rates than unregulated subprime loans, including commercial real estate and loans from mortgage originators like Countrywide, who weren't subject to CRA regulations.

You want to know who's really at fault? Idiots like the OP, because your wanton lack of critical thinking skills is what allows for things like the subprime crisis to happen, because you try and oversimplify an incredibly complex system into an easily digestible answer. Consequently, you don't actually look for causes, you look for reasons to satiate your confirmation bias, which insulates guilty parties from scrutiny and the system from real change.
Exactly. The study confirming that CRA loans defaulted at low rates is the source of this hilariously wrong OP. And the idiots on this board just lap it up without giving it a second thought.
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Old 03-28-2013, 11:20 AM   #25
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lol. there is no 2 party system. We have 1 party. The elite. Greed has ruined this country.
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Old 03-28-2013, 11:28 AM   #26
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Originally Posted by Buzz_TinBalls View Post
stupid muther ****ing idiot is you.
Are youTom C@sh?
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Old 03-28-2013, 11:35 AM   #27
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it doesn't end there. the end game is to rid the USC -- to end "america". pretty much there too.
Yup!
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Old 03-28-2013, 01:04 PM   #28
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Hey it is the bank teller that knows nothing about banking.
I've been a residential lender for 25 years. I've consistently originated $50,000,000 + every year for the last 10 years. I've designed portfolio residential platforms and products for Community Banks.

We as lenders originate to Agency standards "salability". That’s what responsible lenders do and have done. The GSE's set the benchmarks. When those "salability" requirements became less stringent as to allow anyone that could fog a mirror qualify for a loan many portfolio lenders followed suit. To some degree to meet CRA requirements but more so to remain competitive.

Don't you think the lenders pedaling loan products on the street became aware when the underwriting requirements changed?

Look, I realize that you’re a dumb ****ing kid that has no clue even though you think you have all the answers. I'd bet almost anything that you do not or have never applied for or qualified for a home mortgage. I worked my ass off to become one of the industry’s top producers over the years and I guarantee I've forgotten more about this business than you'll ever know you little back biting bitch.

The real problem for you with this whole mess is 6 years ago I could even give an illegal mexican like yourself a home loan, not now Natcho Libra
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Old 03-28-2013, 01:10 PM   #29
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Old 03-28-2013, 01:19 PM   #30
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2003 - 2007 we were selling loans to FNMA without verifying income or assets (SISA) with 10% down and no PMI on second / vacation homes with a 680 credit score and half the time we were getting appraisal waivers so we had no clue about the collateral.

Subprime my ass this stuff was full agency decisioned by their AUS system
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