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Instead, he said they were simply part of a decades-long, bipartisan push - from Capitol Hill, the White House, the Department of Housing and Urban Development (HUD) and even bank regulators - for ever more mortgage lending on ever easier terms. Gramm said he arrived in Washington in 1978 convinced as an economist that subsidizing housing and mortgage lending was a bad idea, but was soon won over to Washington's pro-housing consensus. During his 1990 U.S. Senate campaign, he said, polls revealed that 82% of Texas homeowners supported him over his Democratic opponent. After that, "You didn't have...

Author: /time Magazine | Title: Phil Gramm Says the Banking Crisis Is (Mostly) Not His Fault | 1/24/2009 | See Source »

...result was an environment in which official Washington seemed to believe that no home loan could be a bad home loan. "What we did and what we started was not just to push banks to make marginal loans, but to give them an excuse and to give them regulatory cover," he said. "Countrywide became HUD's poster child for what a good lender was like...

Author: /time Magazine | Title: Phil Gramm Says the Banking Crisis Is (Mostly) Not His Fault | 1/24/2009 | See Source »

...post-Madoff enforcement on Ponzis, Heine says there's been no official push to go after Ponzi schemers. "We go after them as they come in," he said...

Author: /time Magazine | Title: Beyond Madoff, Ponzi Schemes Proliferate | 1/23/2009 | See Source »

Maybe the new SEC chief, Mary Schapiro, should consider just such a push...

Author: /time Magazine | Title: Beyond Madoff, Ponzi Schemes Proliferate | 1/23/2009 | See Source »

...Development Mechanism - which oversees offset projects under the Kyoto Protocol - do not represent actual emission cuts. In addition, the USCAP proposal recommends that many of the initial carbon emission allowances under a cap-and-trade system should be given to industry free, rather than auctioned - even though auctioning would push carbon reductions faster. (President-elect Obama has said he's in favor of auctions.) "The proposal is a dead end - and an even deader starting point," writes Romm. (Read "Obama Cleans Up After Bush...

Author: /time Magazine | Title: Raising the Bar on Fighting Climate Change | 1/23/2009 | See Source »

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