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It says the low interest rates brought about by the Fed after the 2001 recession; ... were not major culprits.
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I find serious fault with this. Ultra low rates were the catalyst for investors to take on more and more risk in the search for yield. Risk management went out the window as investors who couldn't earn a living with 1% Treasuries went after RMBS and their appetite for these securities helped fuel the "lend to securitize" model of making mortgages.
The link works fine.