It in no way shape or form shows that bankers failed to comply with the regulation. What it shows is that the government's misguided attempts to "equal the playing field" amongst ethnicities didn't work. The banks did comply. They gave loans to people who could not afford the loans, the banks didn't discriminate while doing so. The government's attempts to "spread the wealth" of homeownership backfired, as does much of what they attempt to do "for" the citizens of the U.S.
They need to quit trying to "take care of us" and simply be the government that the founding fathers designed.