Challenge,.... Frank and Dodd (neither of which are my Sweet Old Boys) MOST certainly initiated legislation so that lower income yet still QUALIFIED (less restriction but you still needed to be QUALIFIED) individuals can buy a home. They initiated this under an OVERWHELMINGLY at the time, REPUBLICAN house! They (REPUBLICANS) did not hesitate to jump on it. With the intent of Frank and Dodd of actually allowing lower income loans, REPUBLICAN abuse and FRAUD created the devastation by roboforming everything. And deregulation by BUSH (again without malintent) Allowed Wall st the loophole.