Comment on CFPB-2012-0022-0001

The programs that allowed the housing market to balloon, were created by the BANKS, underwriting by the BANKS, and funded by the BANKS. Leave the appraisers and loan originators alone already, you are fooling noone by trying to pass the blame onto them. I had dealt with a absolutely fantastic broker, who unfortunately has left the business because of your over-regulation. Congradulations, you were able to drive the honest and trustworthy brokers out-of-business. Stop trying to regulate risk out of open markets, you will never be able to accomplish it. And one final thought, for all the homeowners who ever took out a subprime mortgage back in the day. Do you really think, that each and every one of them, was taken advantage of? Really, you cannot be that stupid, those homeowners are as much to blame as everyone else, except of course, the BANKS who created the moronic programs.