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Strategies & Market Trends : The Epic American Credit and Bond Bubble Laboratory
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To: Wyätt Gwyön who wrote (70868)10/3/2006 7:32:21 PM
From: UncleBigs  Read Replies (1) of 110194
 
why should the government regulate DTI at all? Banks and other institutions should be free to lend to whoever they want. There should also be no deposit insurance. That way depositors would do a little homework before they deposit their money with Countrywide or Downey Savings.

Government has created the mortgage moral hazard. Depositors have no fear and neither do the shareholders because they believe the Fed will come to the rescue with free money again before bad loans get out of hand.
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