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A Quick Primer On The Mortgage Meltdown

By Greg L | 29 September 2008 | National Politics | 38 Comments



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38 Comments

  1. anon said on 30 Sep 2008 at 5:14 am:
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    Another gift from Jimmy Carter from 30(!) years ago. Yes, it apparently expanded in ‘95 but would, or could, Clinton have started it on his own if it didn’t already exist in some form? And people thought Reagan would end the Carter nightmare? Think about that if you want to “punish” McCain or any other Republicans because they didn’t vote your way 100%. Jusr remember Pelosi and Reid will likely still be in charge of Congress after November.

  2. manassascityresident said on 30 Sep 2008 at 7:16 am:
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    Informative video. Great find, Firelight! Thanks for posting!

  3. an independent said on 30 Sep 2008 at 9:20 am:
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    From 1995-2001 the President Democratic
    From 2001-2008 the President Republican

    From 1995 - 2007 the majority in the Senate and House-Republican
    From 2007 to present the majority in the Senate and house-Democratic

    Even if the bailout idea sucks, look who has been in power. Have the Republican’s been asleep at the wheel?

  4. freedom said on 30 Sep 2008 at 9:38 am:
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    “…asleep at the wheel”?

    If your question means did the Republicans fail to either prevent or repeal the “Community Reinvestment Act” of 1977, I’d have to say “yes, asleep at the wheel.”

    However, it’s difficult to turn things around when the likes of Nancy Pelosi, Chris Dodd and Barney Frank STILL don’t get it!

  5. Naughtius Maximus said on 30 Sep 2008 at 9:52 am:
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    They have both been not so much asleep at the wheel as in the bag for big business, corrupted by lobbyist money.

    Think about it this way. Last year lobbyists spent 500 Billion lobbying these crooks. That money alone is most of what’s being asked for now. All we the people got for that 500 Billion was a slew of negative ads that misinform us.

    The system’s broken. Badly. And the crooks in there now aren’t the ones to fix it.

  6. Brian Leeper said on 30 Sep 2008 at 10:53 am:
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    ‘If your question means did the Republicans fail to either prevent or repeal the “Community Reinvestment Act” of 1977, I’d have to say “yes, asleep at the wheel.” ‘

    About all you can do is steer 2 degrees to the left or 2 degrees to the right.

  7. freedom said on 30 Sep 2008 at 11:10 am:
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    Wait a minute, NM….lobbyists or not, you’re conveniently forgetting the “Community Reinvestment Act,” whereby lenders were forced to grant loans to those who had not a ghost of a chance to repay.

    Would you lend money under that condition? Of course not!!

  8. an independent said on 30 Sep 2008 at 11:18 am:
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    “However, it’s difficult to turn things around when the likes of Nancy Pelosi, Chris Dodd and Barney Frank STILL don’t get it!”

    freedom,
    You may be right but they have not had majority rule for about 12 years.

  9. Anon said on 30 Sep 2008 at 12:10 pm:
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    Brian, you going door to door any time soon? I have seen pamphlets and bodies around the neighborhoods for the other guys but nothing from you so far. Any city meetings coming up soon that you can let me know? Where does one find info about that?

  10. Brian Leeper said on 30 Sep 2008 at 12:27 pm:
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    Most of the city meetings are listed here:

    http://www.cityofmanassaspark.us/Public_Documents/ManassasParkVA_Calendar/?formid=158

    I’ll be going door-to-door in the next couple of weeks.

  11. Naughtius Maximus said on 30 Sep 2008 at 12:37 pm:
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    I’m not forgetting that, freedom. People like Barack Obama made a living and still do lobbying in that direction.

  12. concrete4 said on 30 Sep 2008 at 1:08 pm:
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    Things that make you go hmmmmmm…….

    Breaking from Newsmax.com

    Secret, Foreign Money Floods into Obama Campaign
    Barack Obama campaign has raised a whopping $426.9 million — nearly twice that of John McCain’s campaign. But Obama says more than half of his money comes from small donors giving less than $200 — and Obama won’t disclose their names. Kenneth R. Timmerman reports on the strange donation activity, Khaddafi’s claims about foreign fundraising for Obama and then meet Mr. Doodad!
    Read the Full Story — Go Here Now

  13. Anon said on 30 Sep 2008 at 1:08 pm:
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    Thanks Brian, so the next meeting is 10/7/08 ? Is there some sort of agenda? I don’t see any.

  14. concrete4 said on 30 Sep 2008 at 1:09 pm:
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    sorry I couldn’t get the link to work.
    I’ll try again

  15. Mando said on 30 Sep 2008 at 1:11 pm:
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    More good info from one of the wisest economists alive:

    http://www.realclearpolitics.com/articles/2008/09/bailout_politics.html

  16. Mando said on 30 Sep 2008 at 1:23 pm:
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    More must reads on this from Sowell:

    http://www.realclearpolitics.com/articles/2008/09/a_political_solution.html

    http://www.realclearpolitics.com/articles/2008/09/a_political_solution_part_ii.html

  17. Brian Leeper said on 30 Sep 2008 at 2:30 pm:
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    “Thanks Brian, so the next meeting is 10/7/08 ? Is there some sort of agenda? I don’t see any.”

    Agendas are usually posted a couple of days prior to the meeting. So you’ll want to check back on Friday and Monday. I usually check on Tuesday–that way it’s the latest version because they do sometimes change them.

  18. info said on 30 Sep 2008 at 3:29 pm:
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    Wheaton Restaurant Owner Sentenced to Jail for Illegal Immigration Scheme
    http://www.myfoxdc.com/myfox/pages/News/Detail?contentId=7538454&version=1&locale=EN-US&layoutCode=TSTY&pageId=3.2.1

  19. Anonymous said on 30 Sep 2008 at 3:30 pm:
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    Where’s the video sans music so it won’t get pulled off of youtube?

  20. concrete4 said on 30 Sep 2008 at 3:33 pm:
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    info said on 30 Sep 2008 at 3:29 pm:

    I LOVE that kind of news!!! It let’s me know that there is still “hope” (not the empty Obama kind)…..

  21. Bridget said on 30 Sep 2008 at 4:01 pm:
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    Video no longer available!

    http://www.freerepublic.com/focus/f-news/2094199/posts

  22. Bridget said on 30 Sep 2008 at 4:10 pm:
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    Found it here:

    http://www.liveleak.com/view?i=f67_1222761495

  23. Anonguy said on 30 Sep 2008 at 4:44 pm:
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    The issue is thus; Legislation championed by Carter, and expanded and enforced by Clinton and his goon Reno to pander to the “poor”, mostly minorities is to blame. The “community reinvestment act” was a bad piece of legislation, which liberals used to pander to their base. It should have been called “Let’s force banks to lend to people who don’t know how to manage money, so we can get votes” act.

    The problem is that this legislation encouraged people who have no clue how to manage money, to go into debt, and forced institutions to lend them the money. I have got news for everyone. Most of these borrowers are “poor” for a reason. They have bought into the socialist mantra of ” You are a citizen of the richest country in the world, so if you vote for us, we liberal democrates will use our power to make sure you receive your birthright. Just vote for us” They are poor because the believe that they are entitled to everything “the Joneses” have. No sacrafice. No hard work. You see this in its basest form when looking at the Latino immigrant community. Buying the $500K house, driving the $20K truck, having 5 kids… And making only $35K per year!

    We are in this mess, because we have defied God. There are over 2300 references to money in the Bible. Many of them deal with debt, and all say that debt is a bad thing. Now we see it. Bad debt is the cause, but greed for profits amd votes is the root. Let us look at who in our government misused their powers tho enabled this (Obama and ACORN, Frank, Dodd, Clinton,Reid, Reno), and make them pay in November. They almost destroyed this country, to achieve their socialist agenda. Rise up and defeat them!

  24. Bridget said on 30 Sep 2008 at 5:48 pm:
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    Let’s look at both sides of the aisle … or the other side of the same coin:

    http://www.vdare.com/sailer/080928_rove.htm

    http://blog.vdare.com/archives/2008/09/30/video-burning-down-the-house-rove-bush-style/

  25. cityrez said on 30 Sep 2008 at 5:56 pm:
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    Please support Congressman Mike Pence and the other House REpublicans who plan to offer this alternative….it’s a common sense fix that doesn’t depend on the taxpayer eating the hamburger from hell!!

    http://mikepence.house.gov/UploadedFiles/RSC_Economic_Rescue_092908.pdf

  26. Colt said on 30 Sep 2008 at 7:51 pm:
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    Loudoun and Prince William’s immigrant populations shrinking

    http://www.loudountimes.com/news/2008/sep/30/loudoun-prince-william-counties-immigrant-populati/

    Two Northern Virginia counties that took highly publicized stances against illegal immigration saw their number of foreign-born residents decline last year, while one of their neighbors saw its immigrant population go up.
    In 2007, the immigrant population dropped about 1 percent in Loudoun County and 6 percent in Prince William County, according to the Census Bureau’s American Community Survey 2007, which was released Sept. 23.

    However, in Fairfax County, where leaders have been less willing to place restrictions on illegal immigration, the foreign-born population went up 7 percent last year. In addition, Fairfax saw its number of residents who are not U.S. citizens – which includes legal immigrants — increase 8 percent, while Prince William’s noncitizen population dropped 4 percent and Loudoun’s remained relatively unchanged.

    snip

  27. freedom said on 1 Oct 2008 at 7:02 am:
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    An independent said, “freedom, You may be right but they have not had majority rule for about 12 years.”

    No, you’re right, they haven’t been in majority rule for about 12 years, but they were the ones who “dished it up” to Jimmy Carter in the first place…and regardless of their “majority rule” or not, there’s NO WAY they’d admit the CRA to be an absolute financial disaster, and allow a turn around. They still won’t.

  28. Ducky said on 1 Oct 2008 at 8:33 am:
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    With banks in miser mode, credit markets stay taut
    By MADLEN READ, AP Business Writer
    Tue Sep 30, 7:11 PM ET

    NEW YORK - Stocks are rebounding and a new bailout package could be coming soon, but the credit markets — where day-to-day borrowing occurs to keep the gears of the economy turning — are still stuck.

    Even relatively healthy businesses are being left out in the cold.

    Randall Stephenson, the CEO of AT&T Inc., said Tuesday that when the telecommunications company tried to get short-term cash last week by selling corporate debt known as commercial paper, no one was willing to lend anything for longer than overnight.

    The crunch is being felt by others, too. Many small businesses can’t get funding for supplies and in some cases are falling behind on their payrolls, said John Castellani, president of Business Roundtable, an association of CEOs of companies that employ more than 10 million people.

    Castellani said the credit problems have been going on for several months but have accelerated in recent weeks as lending tightens further and consumer spending wanes.

    “It feeds into itself,” Castellani said. “It just continues to spiral down.”

    For Americans already worried about their nest eggs, mortgages, and fuel, food and medical costs, the prospect of an even deeper economic downturn is troubling — especially since it’s so hard to understand how we got here.

    In simple terms, banks made bets on the housing market when it was booming, and didn’t cash out in time. When people started defaulting on their mortgages last year, banks’ investments went bust. As banks’ losses started piling up, they pulled back on lending and started stockpiling cash.

    http://news.yahoo.com/s/ap/20080930/ap_on_bi_ge/credit_markets;_ylt=Aqzebq5oHu_.o5N8EwRPyeOyBhIF

  29. Citizen12 said on 1 Oct 2008 at 1:39 pm:
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    I have been looking for the evidence, but nowhere have I read where the requirements under the Community Reinvestment Act read” must take any and all loan request” . What I did find was:

    The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods, consistent with safe and sound banking operations. ( http://www.ffiec.gov/cra/history.htm )

    Note the part about CONSISTENT WITH SAFE AND SOUND BANKING OPERATIONS. Many studies, reports and regulations have been written on the subject, so it’s not like they had to figure out what these were. Their failure to adhere to this is a great part of the problem, along with constant tweaking and changes of the act itself.

    Also note when you have crooks in charge, there is some delay in assessing the status of any problem.

    From:
    http://www.ofheo.gov/media/pdf/annualreport2006.pdf

    Office of Federal Housing Enterprise Oversight
    Report to Congress
    June 15, 2006

    Although the Special Examination Report was not published until May 23, 2006, much of the work was done in 2005. The report concludes that Fannie Mae senior management presented an image of the Enterprise as one of the lowest-risk financial institutions in the world and as “best-in-class” in terms of risk management, financial reporting internal controls and corporate governance.

    The reality was that the image presented was false. The risks at Fannie Mae were greatly understated and senior management manipulated accounting and earnings. Fannie Mae also signed settlement agreements on May 23, 2006 with OFHEO and the SEC that include a $400 million fine, growth
    Limits and top-to-bottom remedial actions to enhance the safe and sound operation of the Enterprise going forward.

    Note the part about SENIOR MANAGMENT MANIPULATED ACCOUNTING AND EARNINGS. That would be Franklin Raines and crew. Who, by the way, only paid back pennies on the dollar against the bogus bonus millions they paid themselves.

    Also worth noting in this report:

    The annual examinations of both Enterprises state that progress was made in 2005, but that further work and several years are needed to fully achieve safe and sound practices. Although the Enterprises have differences, the key areas that need significant remedial attention are similar: accounting systems, internal controls, risk management, human resources, corporate governance and growth.

    So, looks to me like the key areas for REMEDIAL ATTENTION pretty much cover the whole operation.

    Congress was aware of this as early as 2004 but it failed to become a high priority issue with the body as a whole. An interesting side note is no one, to my knowledge, has been prosecuted.

  30. Frank said on 2 Oct 2008 at 9:09 am:
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    http://www.traigerlaw.com/publications/traiger_hinckley_llp_cra_foreclosure_study_1-7-08.pdf

    CRA-covered entities made 23% of all home loans, but 9% of all high-risk loans, in the 15 most populous MSAs in the country.

    It’s tough to actually find numbers that support the notion that the CRA is responsible for the current mess. More bad lending occurred from non-CRA covered entities than CRA covered entities. Just trying to keep the arguments on the level here, if anyone can point to any actual numbers otherwise, please post. There’s lots of reasons for the current mess, focusing on the CRA is not one of them, no matter how bad CRA is in principle.

  31. Citizen12 said on 2 Oct 2008 at 9:58 am:
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    Frank said on 2 Oct 2008 at 9:09 am

    Thanks for the link Frank. The numbers speak for themselves, as well as this:

    Summary Conclusions
    Our study concludes that CRA Banks were substantially less likely than other lenders to make the kinds of risky home purchase loans that helped fuel the foreclosure crisis.

    From this one may conclude that:
    a. a significantly high percentage of honest people handled these matters.
    b. the oversite and qualifications for the CRA ratings kept people honest.
    c. the regulations were actually followed when handeling these matters.
    d. safe and sound banking operations were in place
    e. All of the above

  32. DPortM said on 2 Oct 2008 at 10:06 am:
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    The new bailout bill is full of earmarks. To e-mail your representative to oppose the bill, use the following link:

    http://capwiz.com/gopusa/issues/alert/?alertid=12004521&PROCESS=Take+Action

  33. BothPartiesColludeAgainstUsAndMarketToYourFears said on 2 Oct 2008 at 10:49 am:
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    And McCain wants us to eat those earmarks.

  34. Pat.Herve said on 2 Oct 2008 at 11:00 am:
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    It is very easy to blame the other side on any topic. Everyone wants a boogy man to blame.

    I want one of our politicians to stand up and say - We F’d up!

    It was not the Dem’s or the Rep’s that put us where we are - it was all of us collectively.

    You can blame the CRA, or you can blame the Bush administration for letting Investment banks leverage themselves 40 to 1 (commercial banks are leveraged at 10 to 1).

    It was pure and simple Greed on the part of the bankers - a normal human trait.

    Wall Street values a company on its ability to innovate and expand. Banks need to innovate new ways of making money - and one way was to exploit the ability to give money away. There was no federal legistlation that said that the banks had to give teaser rates, or that they had to create interest only loans - it was the banks way of answering to the wall street need of creating more profits and more value.

    Human nature is to exploit the week - and boy did wall street and the bank exploit us.

    The other thing huring us is that we have this inner desire to keep up with and try to outdo our neighbors. I have a 10 year old car - in good condition - my neighbors and friends always ask me when am I going to get rid of it - why should I - it runs fine, the PP Tax is low, and it does its job. A new car will only give me additonal expense and no additonal value. In order to keep up with this artificial wealth, many of us chose to tap our home equity and use the home value as an ATM machine - This has lasting long term consequences. With the decline in the defined benefit pension, and the continuing decline in Soc Sec (didn’t bush say he would fix this in 2000?) There are going to be many many of us who are poor in retirement.

  35. Tariq Nelson said on 2 Oct 2008 at 11:17 am:
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    This was a very convincing video (and I am an Obama supporter)…I must look into this a little deeper

  36. DPortM said on 2 Oct 2008 at 11:23 am:
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    From Michelle Malkin’s website:

    The People’s House needs to hear from the people. Get your fingers dialing for Operation Hold The Line. Because so many of you asked, I’ve compiled the phone numbers for each and every one of the House GOP members who voted no on Monday. They need to hear from you again. Area code is 202 for all numbers:

    Aderholt R AL legislator No 225-4876
    Akin R MO legislator No 225-2561
    Alexander R LA legislator No 225-8490
    Bachmann R MN legislator No 225-2331
    Barrett (SC) R SC legislator No 225-5301
    Bartlett (MD) R MD legislator No 225-2721
    Barton (TX) R TX legislator No 225-2002
    Biggert R IL legislator No 225-3515
    Bilbray R CA legislator No 225-0508
    Bilirakis R FL legislator No 225-5755
    Bishop (UT) R UT legislator No 225-0453
    Blackburn R TN legislator No 225-2811
    Boustany R LA legislator No 225-2031
    Broun (GA) R GA legislator No 225-4101
    Brown-Waite, Ginny R FL legislator No 225-1002
    Buchanan R FL legislator No 225-5015
    Burgess R TX legislator No 225-7772
    Burton (IN) R IN legislator No 225-2276
    Buyer R IN legislator No 225-5037
    Capito R WV legislator No 225-2711
    Carter R TX legislator No 225-3864
    Chabot R OH legislator No 225-2216
    Coble R NC legislator No 225-3065
    Conaway R TX legislator No 225-3605
    Culberson R TX legislator No 225-2571
    Davis (KY) R KY legislator No 225-3465
    Davis, David R TN legislator No 225-6356
    Deal (GA) R GA legislator No 225-5211
    Dent R PA legislator No 225-6411
    Diaz-Balart, L. R FL legislator No 225-4211
    Diaz-Balart, M. R FL legislator No 225-2778
    Doolittle R CA legislator No 225-2511
    Drake R VA legislator No 225-4215
    Duncan R TN legislator No 225-5435
    English (PA) R PA legislator No 225-5406
    Fallin R OK legislator No 225-2132
    Feeney R FL legislator No 225-2706
    Flake R AZ legislator No 225-2635
    Forbes R VA legislator No 225-6365
    Fortenberry R NE legislator No 225-4806
    Foxx R NC legislator No 225-2071
    Franks (AZ) R AZ legislator No 225-4576
    Frelinghuysen R NJ legislator No 225-5034
    Gallegly R CA legislator No 225-5811
    Garrett (NJ) R NJ legislator No 225-4465
    Gerlach R PA legislator No 225-4315
    Gingrey R GA legislator No 225-2931
    Gohmert R TX legislator No 225-3035
    Goode R VA legislator No 225-4711
    Goodlatte R VA legislator No 225-5431
    Graves R MO legislator No 225-7041
    Hall (TX) R TX legislator No 225-6673
    Hastings (WA) R WA legislator No 225-5816
    Hayes R NC legislator No 225-3715
    Heller R NV legislator No 225-6155
    Hensarling R TX legislator No 225-3484
    Hoekstra R MI legislator No 225-4401
    Hulshof R MO legislator No 225-2956
    Hunter R CA legislator No 225-5672
    Issa R CA legislator No 225-3906
    Johnson (IL) R IL legislator No 225-2371
    Johnson, Sam R TX legislator No 225-4201
    Jones (NC) R NC legislator No 225-3415
    Jordan R OH legislator No 225-2676
    Keller R FL legislator No 225-2176
    King (IA) R IA legislator No 225-4426
    Kingston R GA legislator No 225-5831
    Knollenberg R MI legislator No 225-5802
    Kuhl (NY) R NY legislator No 225-3161
    Lamborn R CO legislator No 225-4422
    Latham R IA legislator No 225-5476
    LaTourette R OH legislator No 225-5731
    Latta R OH legislator No 225-6405
    Linder R GA legislator No 225-4272
    LoBiondo R NJ legislator No 225-6572
    Lucas R OK legislator No 225-5565
    Mack R FL legislator No 225-2536
    Manzullo R IL legislator No 225-5676
    Marchant R TX legislator No 225-6605
    McCarthy (CA) R CA legislator No 225-2915
    McCaul (TX) R TX legislator No 225-2401
    McCotter R MI legislator No 225-8171
    McHenry R NC legislator No 225-2576
    McMorris Rodgers R WA legislator No 225-2006
    Mica R FL legislator No 225-4035
    Miller (FL) R FL legislator No 225-4136
    Miller (MI) R MI legislator No 225-2106
    Moran (KS) R KS legislator No 225-2715
    Murphy, Tim R PA legislator No 225-2301
    Musgrave R CO legislator No 225-4676
    Myrick R NC legislator No 225-1976
    Neugebauer R TX legislator No 225-4005
    Nunes R CA legislator No 225-2523
    Paul R TX legislator No 225-2831
    Pearce R NM legislator No 225-2365
    Pence R IN legislator No 225-3021
    Petri R WI legislator No 225-2476
    Pitts R PA legislator No 225-2411
    Platts R PA legislator No 225-5836
    Poe R TX legislator No 225-6565
    Price (GA) R GA legislator No 225-4501
    Ramstad R MN legislator No 225-2871
    Rehberg R MT legislator No 225-3211
    Reichert R WA legislator No 225-7761
    Renzi R AZ legislator No 225-2315
    Rogers (MI) R MI legislator No 225-4872
    Rohrabacher R CA legislator No 225-2415
    Ros-Lehtinen R FL legislator No 225-3931
    Roskam R IL legislator No 225-4561
    Royce R CA legislator No 225-4111
    Sali R ID legislator No 225-6611
    Scalise R LA legislator No 225-3015
    Schmidt R OH legislator No 225-3164
    Sensenbrenner R WI legislator No 225-5101
    Shadegg R AZ legislator No 225-3361
    Shimkus R IL legislator No 225-5271
    Shuster R PA legislator No 225-2431
    Smith (NE) R NE legislator No 225-6435
    Smith (NJ) R NJ legislator No 225-3765
    Stearns R FL legislator No 225-5744
    Sullivan R OK legislator No 225-2211
    Terry R NE legislator No 225-4155
    Thornberry R TX legislator No 225-3706
    Tiahrt R KS legislator No 225-6216
    Tiberi R OH legislator No 225-5355
    Turner R OH legislator No 225-6465
    Walberg R MI legislator No 225-6276
    Wamp R TN legislator No 225-3271
    Westmoreland R GA legislator No 225-5901
    Whitfield (KY) R KY legislator No 225-3115
    Wittman (VA) R VA legislator No 225-4261
    Young (AK) R AK legislator No 225-5765
    Young (FL) R FL legislator No 225-5961

  37. freedom said on 2 Oct 2008 at 5:06 pm:
    Flag comment

    No, Pat.Herve, I’m not looking for a boogey man to blame, I’m looking for a Congressional hearing, a prosecution and a Chris Dodd and Barney Frankieboy in a “perp walk” right out of the US Senate. Why? So we don’t have this to face again!

    Remember what happened with the Enron deal? This is no different!

  38. Pat.Herve said on 2 Oct 2008 at 5:33 pm:
    Flag comment

    freedom,

    are Dodd and Frank the two to blame for this mess?

Comments are closed.


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