calling dr. evil...

"Meanwhile, conservatives have found themselves casting wildly about for solutions that fit their preconceived notions. Having searched frantically for a big government villain behind the free-market meltdown, the finger of blame settled upon the Community Reinvestment Act of 1977, which requires banks to lend to low-income neighborhoods. (In fact, as economist Janet Yellen has pointed out, banks that are subject to the CRA made subprime loans at a dramatically lower rate than independent mortgage companies, which are not covered by the CRA.)"

--The New Republic