Open Question: What was the government's role in the sub-prime mortgage loan crisis?

I meet got discover of a reproval by my economics professor, and she was rattling insightful most the essential contributors to the underway recession. This is her summary, "The Global Money Supply multiple in the primeval 2000's, so investors desired to make broad returns. They looked at deposit bonds of 1-2%, as existence likewise low. They then saw Mortgages feat for 9-15% returns. They began investing, then small companies would acquire meet by selling the mortgages soured to large banks (who would sell it someone else, etc). Thus, there was a aggregation of fraud, lowercase oversight, bad "risk" categorization of their mortgages, etc. But my academic never mentioned the persona of Fannie & Freddie MAC, and the government's persona in cloudy standards of loans in the 1970's-1990's. Are these factors too? Or inferior essential (or more)??? How did the polity help/hurt our underway situation?Other Article:

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