I'll agree that the federal banking acts tend to be terrible, and that the links to those reports blame bankers for discrimination. This of course begs the question, if the bankers aren't actually fixing the discrimination problem by issuing bad loans, how did this cause the crisis? You can't both have your cake and eat it to. Your reports indicated that bankers are still denying loans to blacks at a disproportionately high rate, which means they are not making the high risk loans the ridiculous law would suggest. Ergo, this did not cause the financial crisis.

I point to the specific actions where the worst collapses in the crunch were by organizations that specifically requested overrides of debt limits that were already unreasonable and unsafe, not to comply with specific policies but to pad the bottom line.

As for Reagan, he started the myth that tax cuts pay for themselves, leading directly to the absurdly large $10+ trillion deficit that the US now faces. This has been shown to be false in every country in the world where it has been applied. That being said its nice to pay less taxes, after all it won't be your problem when the government goes bankrupt.