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Who caused the Housing Crisis?

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I know about the 25 year rule, but you could easily argue that economic crashes are well over 25 years in the making. Also, I don't want to post this on /pol/ because they are idiots and children.
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>>3046240
Clinton by repealing the Glass-Stegal Act and allowing banks to gamble in the derivative market.

Liberals, in general, for forcing banks to make loans to sub-prime borrowers to make them feel better as homeowners, even though they all lost their homes to foreclosure;

Barney Frank for most of the above, including criminal collusion with Fannie Mae and Freddy Mac, and for talking up the markets when they were clearly collapsing.....
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>>3046270

>Using Liberals in that context in that way.
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