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Message: <blockquote data-quote="vantexan" data-source="post: 3479762" data-attributes="member: 24302"><p>In your view apparently banks should just give loans to whoever wants one without any consideration to that person's ability to repay the loan.  It's that view that was pushed on banks by Frank and Dodd and was a major catalyst for the real estate market collapsing in 2008.  But it's racism you cry, as always.  No, it's sound business to not throw money away.  As I said it may well have happened at one time but you seem to be implying it's still a systemic problem.  No, if a person has the ability to pay and good credit that person gets a loan, no matter his race by law.  If he doesn't he has legal remedies and banks don't want to throw money away on legal fees either.</p></blockquote><p></p>