This is false. There's no evidence for race (or class) being a major factor in the increase in defaults. The financial crisis was caused by an increase in delinquencies in middle and high credit borrowers. https://twitter.com/StefanMolyneux/status/1078868440826314752 …
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Without GSE insurance most of the really bad 05-07 mortgages wouldn't've been originated My first time really doubting ECONOMISTS came when I read a Krugman column denying the GSEs were involved just after I'd spent a week poring over their shady financial statements
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