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In 2008 was the government regulation the blame for the morgage crisis, or was the problem...

In 2008 was the government regulation the blame for the morgage crisis, or was the problem too little or too much regulation? And, to the extent that banks, brokers, or homeowners were “greedy,” were they taking advantage of an environment in which there was too little regulation, or were they responding to the perverse incentives created by misguided government regulation?

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