During the first debate between the presidential candidates (10/03/2012) there was a question about the sufficiency and adequacy of federal regulation. The candidate's comments about regulation, which followed the question, led me to think about some unintended consequences from federal regulations of the past, and how these unintended consequences contributed significantly to the housing and mortgage bubble and how they seem to have motivated some of the practices which led to the financial crisis.
In order to showcase my thoughts, in "Regulation and Unintended Consequences" I've juxtaposed a 1998 PBS NewsHour interview in which Bill Clinton provides comments about his efforts to greatly expand The Community Reinvestment Act.