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...underlying loans. Still, the notion that a CFPA would have prevented the mess is debatable at best. It's not as if all borrowers who bit off more than they could chew were deceived; many of them just wanted more house than they could afford, and it's not clear whether an agency devoted to helping consumers would have pushed for stricter scrutiny of their credit histories, higher requirements for their down payments and other borrowing restrictions that might have helped save them from their own bad instincts. In any case, it's hard to imagine how the subprime crisis...

Author: /time Magazine | Title: The Case for a Consumer Financial Protection Agency | 2/17/2010 | See Source »

...argument that better consumer protection will prevent the next collapse is no slam dunk. But better consumer protection is still a good idea! And the CFPA is a clear way to send a message that the economy is supposed to work for ordinary families. We should have a CFPA - and also size restrictions, stricter leverage rules and capital requirements, better regulation of complex derivatives, an orderly mechanism to wind down failing firms without bailouts and all the other elements of financial reform...

Author: /time Magazine | Title: The Case for a Consumer Financial Protection Agency | 2/17/2010 | See Source »

...main reason that Ryan has become the GOP's man of the moment. A telegenic supply-side conservative, Ryan cut his teeth as a speechwriter for Jack Kemp and Bill Bennett in the mid-1990s. Even back then, says Wehner, for whom Ryan worked at Empower America, "it was clear that he was a bright star in the constellation." After serving as legislative director for Kansas Senator Sam Brownback, Ryan mounted a successful bid for Wisconsin's First Congressional District seat in 1998, at age 28. Now 40, the avid outdoorsman is ensconced in a district that shares...

Author: /time Magazine | Title: Paul Ryan: The GOP's Answer to the 'Party of No' | 2/17/2010 | See Source »

...conservative leaders were quick to note that they were not seeking to change a recipe that has thus far proved successful for the Tea Partyers, who have made it very clear that they don't want to be tied to any particular party or existing movement. "This is not meant to in any way suggest adult supervision," says Bozell. "That's condescending. This is meant to give some form of structure to all of this bursting energy that's out there." And while several conservatives said they believed Tea Partyers would naturally align under the conservative banner, they cautioned that...

Author: /time Magazine | Title: Can a New Manifesto Woo the Tea Party? | 2/17/2010 | See Source »

Conservatives seemed to make clear, though, that any alliance with the movement would have to be on the terms the manifesto has set forth. "You cannot dictate beliefs to people," Keene says. "What you can do is say, Here's a cohesive set of values and beliefs that have tied us together ... We'd love to have you share them with us." That sort of courtship, says conservative commentator David Frum, reflects the determination of the Beltway insiders to dig in their heels against efforts to remake a party they've helped build. "It's the last stand...

Author: /time Magazine | Title: Can a New Manifesto Woo the Tea Party? | 2/17/2010 | See Source »

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