User contributions for Nicholas007

22 September 2014

• 21:1521:15, 22 September 2014 diff hist +161 Great Recession →Panel reports: Adding back a sentence to explain why Wallison feels gov't policies were a factor leading to recession. People should not remove things because they have (supposedly) been "debunked," as this is all economic theory - not fact.
• 20:3720:37, 22 September 2014 diff hist +1,101 Community Reinvestment Act →Purported relationship to the 2008 financial crisis: This is a scholarly work by professors at Harvard, MIT, U. of Chicago, & U. of Singapore, and deserves inclusion.

3 April 2014

• 23:1023:10, 3 April 2014 diff hist +16 Government policies and the subprime mortgage crisis →Financial Crisis Inquiry Commission: Based on the quote provided, the Republicans did not rule out housing policy as a contributing factor. I am trying to more accurately state this in the preceding sentence.

21 February 2014

• 22:4722:47, 21 February 2014 diff hist +787 Government policies and the subprime mortgage crisis →Debate about the role of CRA in the crisis: After 2 large & redundant paragraphs state Randall Kroszner's viewpoint, the one rebuttal paragraph had been removed to avoid its "undue weight." Not credible.

30 December 2013

• 18:1418:14, 30 December 2013 diff hist +787 Government policies and the subprime mortgage crisis →Debate about the role of CRA in the crisis: add paragraph citing Pinto's challenge to estimates based on loan costs rather than borrower creditworthiness.
• 17:4017:40, 30 December 2013 diff hist −370 Government policies and the subprime mortgage crisis →Debate about the role of CRA in the crisis: Removed 2 sentences that were verbatim replications of sentences in the 3rd paragraph of this section (above)

22 December 2013

• 12:4912:49, 22 December 2013 diff hist +162 Talk:Community Reinvestment Act No edit summary

21 December 2013

• 13:0213:02, 21 December 2013 diff hist +129 Talk:Community Reinvestment Act No edit summary
• 03:4903:49, 21 December 2013 diff hist +624 Talk:Community Reinvestment Act No edit summary
• 03:4203:42, 21 December 2013 diff hist −232 Community Reinvestment Act →Reported relationship to the 2008 financial crisis: See talk for explanation of this change
• 03:3003:30, 21 December 2013 diff hist +2,079 Talk:Community Reinvestment Act Remove the part of a sentence that is disputed, and not essential anyway, IMO

18 December 2013

• 21:2521:25, 18 December 2013 diff hist +16 Talk:Community Reinvestment Act Just added reference for last quotation
• 21:1221:12, 18 December 2013 diff hist +1,878 Talk:Community Reinvestment Act No edit summary
• 16:2016:20, 18 December 2013 diff hist +3,486 Talk:Community Reinvestment Act →Sub-prime vs. Higher-priced (part 2)
• 03:2303:23, 18 December 2013 diff hist +202 Talk:Community Reinvestment Act No edit summary
• 00:2300:23, 18 December 2013 diff hist +629 Talk:Community Reinvestment Act No edit summary

17 December 2013

• 19:5619:56, 17 December 2013 diff hist +1,668 Talk:Community Reinvestment Act No edit summary
• 14:0314:03, 17 December 2013 diff hist +928 Talk:Community Reinvestment Act →Due and undue weight: Your deletions are skewing this article.
• 10:4510:45, 17 December 2013 diff hist +2,419 Talk:Community Reinvestment Act →Due and undue weight
• 10:1110:11, 17 December 2013 diff hist +3,157 Community Reinvestment Act Undid revision 586463798 by Lawrencekhoo (talk)
• 03:1503:15, 17 December 2013 diff hist +3,309 Community Reinvestment Act →Relationship to the 2008 financial crisis: People have a right to know how so-called "experts" defined "subprime," and to know that subsequent research contradicts Krugman's assertions about commercial lending.

16 December 2013

• 11:3511:35, 16 December 2013 diff hist +1,063 Talk:Community Reinvestment Act →Due and undue weight: This article will be changed again

15 December 2013

• 19:2019:20, 15 December 2013 diff hist +20 Community Reinvestment Act →Relationship to the 2008 financial crisis: Thanks, George, for the support. My only change was to put a date with Pinto's estimate of CRA subprime

13 December 2013

• 12:3412:34, 13 December 2013 diff hist −575 Community Reinvestment Act →Relationship to the 2008 financial crisis: In response to George Orwell's comments I reduced reference to Cleveland loan program and tried to more clearly show its relevance to article.
• 05:4105:41, 13 December 2013 diff hist +1,426 Talk:Community Reinvestment Act →CRA relation to crisis changes: new section
• 05:0805:08, 13 December 2013 diff hist +3,735 Community Reinvestment Act →Relationship to the 2008 financial crisis: See talk under "CRA relation to Crisis changes"

12 December 2013

• 13:5313:53, 12 December 2013 diff hist +2,672 Community Reinvestment Act →Relationship to the 2008 financial crisis: You may not like the citations added but they are all relevant & published, and from a major newspaper, a book, university research, real estate CPA/attorney, and business journalist.

11 December 2013

• 02:3902:39, 11 December 2013 diff hist 0 Community Reinvestment Act →Relationship to the 2008 financial crisis: Unless there is a statistical study showing that "most" experts believe CRA did not significantly affect crisis, settle for "Many."~~~~
• 02:3402:34, 11 December 2013 diff hist +2,878 Community Reinvestment Act →Relationship to the 2008 financial crisis: 2 essential items had been removed: CRA defenders define subprime as loans with interest rates 3% over average; & Krugman's assertion ignores fact that commercial loans were dragged down by resid. loans~~~~

9 December 2013

• 13:1313:13, 9 December 2013 diff hist +512 Republican Party (United States) →Education: Took out Jindal reference because it is about political lack of effectiveness - not educational demographics. (Might be OK elsewhere.) Added recent comparison of Dems vs. Reps with respect to education.~~~~
• 12:5612:56, 9 December 2013 diff hist 0 m Democratic Party (United States) →Academia: to get reference within the blockquote~~~~
• 12:5312:53, 9 December 2013 diff hist −1 m Democratic Party (United States) →Academia
• 12:5112:51, 9 December 2013 diff hist +1,301 Democratic Party (United States) →Academia: Update of educational achievement differences based on analysis of 2008-2012 data published on 12-8-13~~~~

5 December 2013

• 16:3516:35, 5 December 2013 diff hist −41 m Community Reinvestment Act →Alleged relationship to the 2008 financial crisis: clerical changes~~~~
• 16:1816:18, 5 December 2013 diff hist −293 m Government policies and the subprime mortgage crisis →Government "affordable homeownership" policies
• 16:1316:13, 5 December 2013 diff hist −10 m Government policies and the subprime mortgage crisis →Debate about the role of CRA in the crisis: ~~~~
• 16:1016:10, 5 December 2013 diff hist +2 m Government policies and the subprime mortgage crisis →Defenders of Fannie Mae and Freddie Mac: split one paragraph into 2 to add clarity~~~~
• 16:0716:07, 5 December 2013 diff hist −197 m Government policies and the subprime mortgage crisis →Defenders of Fannie Mae and Freddie Mac: ~~~~
• 15:5715:57, 5 December 2013 diff hist +132 2007–2008 financial crisis →Subprime lending: no substantive changes, however, I changed the order of paragraphs to make section less confusing.~~~~
• 15:0715:07, 5 December 2013 diff hist +227 Subprime mortgage crisis →Role of Fannie Mae and Freddie Mac: cut large paragraph into two smaller paragraphs. Add more detail about SEC case, and why it is extremely important.~~~~
• 14:5114:51, 5 December 2013 diff hist +10 m Subprime mortgage crisis →Community Reinvestment Act: correct typo and add word "However."~~~~
• 14:4614:46, 5 December 2013 diff hist +9 m Subprime mortgage crisis →Decreased regulation of financial institutions: ~~~~
• 01:1001:10, 5 December 2013 diff hist +2,587 Great Recession →Panel reports: corrected a misstatement about the number of people supporting majority report; added reference to SEC's securities fraud case~~~~
• 00:4900:49, 5 December 2013 diff hist +2,456 Causes of the 2000s United States housing bubble →Mandated loans: added counter arguments to Min~~~~

4 December 2013

• 22:4222:42, 4 December 2013 diff hist +1,602 Community Reinvestment Act →Alleged relationship to the 2008 financial crisis: Added a few of the counterarguments to Krugmans commercial loan argument.~~~~
• 22:2822:28, 4 December 2013 diff hist +1,544 2007–2008 financial crisis →Subprime lending: Added counterarguments to Krugman's thesis~~~~
• 22:1622:16, 4 December 2013 diff hist +1,699 Subprime mortgage crisis →Role of Fannie Mae and Freddie Mac: added counter arguments to Krugman's assertions~~~~
• 21:5921:59, 4 December 2013 diff hist +45 m Government policies and the subprime mortgage crisis →Overview: minor rearrangement~~~~
• 21:4921:49, 4 December 2013 diff hist +1,473 Government policies and the subprime mortgage crisis →Overview: added argument countering Krugman's contention that commercial real estate loans declined in similar manner and timing~~~~
• 21:4021:40, 4 December 2013 diff hist +1,697 Government policies and the subprime mortgage crisis →Defenders of Fannie Mae and Freddie Mac: added counter arguments to Krugman's contention that commercial lending also had bad standards~~~~