The housing collapse started in 2006. Before Dodd & Frank had committee chairs.<quoted text>
In 2007 they were the controlling forces in the oversight of the financial institutions that collapsed our economy after 2 years of their constant lies and oversight.
In 2003 the CRA was an obvious failure and looming disaster, according to the Director of OFHEO in his testimony to Congress. It wasn't until 2006 that the effects began to take it's toll in housing construction.
The Democrats' Marxist CRA welfare home loan program collapsed the econoomy after 2 years oversight by Democrats.
It's that simple.
Your own post said it.
But you said two years after Dodd & Frank began oversight which would be Jan of 2011.
You just called yourself a liar.