moonbat

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About moonbat

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    Way too many!

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  • What I do for a living:
    Bend aerials

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  1. The following points: True or garbage in your opinion? -The CRA requires banks to extend CRA loans within the norms of safe and sound operation. -The CRA does not cover non-bank lenders, such as mortgage and finance companies, so their active participation in subprime lending occurred without any CRA incentives. -Only 6 percent of identified subprime mortgages in 2006 were made to CRA-qualified borrowers or neighborhoods by CRA-covered institutions. -For loans originated between January 2004 and April 2008, the observed 90-day delinquency rates are actually slightly lower in zip codes that are CRA-qualified than for zip codes with median incomes that are just sufficiently higher to make them CRA-unqualified. Canner and Bhutta conclude, “Taken together, the available evidence to date does not lend https://fraser.stlouisfed.org/files/docs/historical/fct/fcic/fcic_report_jaffee_20100227.pdf . This doc cites Canner and Bhutta
  2. And what percent of the "have to" loans to meet the gubmit "quota" defaulted?
  3. What were the quotas? How far over the quotas did banks go in doing sub-prime CRA loans? Again, the word I am focused on is forced as if the banks were somehow unwilling victims in all this.
  4. Umm. I haven't. Which loans are banks forced to make?
  5. Great. I read the article, but still do not see that the CRA forced banks to make teaser ARM loans.
  6. Exactly what loans were banks forced to make? Curious.
  7. If you are going to do it, do it right, OK?
  8. That's the best you guys have? LOL
  9. It's nice to see that FnM lives rent free in a lot of heads 2 1/2 months after he vacated the premises. Fan-freaking-tastic.
  10. Just as I would not respond to the content of anything Hillary or Bill would say.
  11. The Holocaust: HItler's Evil Acts Funny how the definition fits.
  12. Exactly. Thank you for making my case. Your site is saying swiping a lunch is a wicked (evil) and immoral act. Your source can't match the example sentence with the meaning. My source has the same meaning as your source. I will take the actual definition over an example that makes no sense given the definition. Still doesn't explain why you left the actual definition out. Yuuuuuuuuuuuuuup.
  13. Mellowdramatic would be an oxymoron. LOL
  14. And here is what is underneath your cropped scree shot above. Geez. I wonder why you cropped this out.