CRA 符合我原文的表述，就是克林顿时期鼓励向低收入群体放开房贷。这里我没有直接说CRA 导致次贷危机。我从来没有说过。当然CRA 依然导致了贷款风险，这也不是我说的，难道伯南克还没你懂？看看他怎么说:

“Recent problems in mortgage markets illustrate that an underlying assumption of the CRA — that more lending equals better outcomes for local communities — may not always hold,” he said, according to prepared remarks. “Whether, and if so, how to differentiate “good” from “bad” lending in the CRA context is an issue that is likely to challenge us for some time.” (See the full text of Bernanke’s speech.)