re: Revisiting the 2008 housing crash

As someone who has actually performed CRA audits, and knows how the government assesses banks, you're wrong. I'm not saying there weren't plenty of dumbfrick bankers that interpreted the law as you do. There surely were. But regulators/CRA doesn't force them to make loans to borrowers that don't have good credit or cash flow. And even IF there are discrepancies in the data (HMDA LAR) that may suggest disparate treatment, there are almost always valid reasons for it. Almost always a lack of affordable housing within the assessment area.