Archive for the ‘waxman’ Category

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Double Standards

September 10, 2017

There abounds a huge double standard by the democrats when it comes to GOP nominees, two democrat senators blasted two judicial nominees for their catholic faith. The U.S. Constitution bars a religious test of anyone entering into an appointed position or elected position. The Democratic Party views anyone with a solid religious conviction that is not the same as theirs to be unfit for any office.

The democratic senators on the judicial committee used every minute to attack Trumps judicial nominees for their religion, and they both are stellar nominees in their own right, and one gave the democratic senators a schooling on issues that conflicted with their personal beliefs and that is the recusal step in any case that is brought before them.

We are told that Nominees by Clinton and Obama are above the recusal step even if they have a direct impact as to how a court case will end. The latest is the appointment of special prosecutor mueller, he should have declined the appointment due to the direct involvement of one party namely James Comey that he has been friends with for decades. The apppintments of lawyers that mueller has selected should also be stepping down due to conflicts of party affiliations.

It is time to start holding all democrats to the same standards that they try to impose upon anyone who is not a liberal progressive democrat. It’s time we solidly judge them for their politics and stop the destruction of America. Far to long have they used the phrases “its for the children”,”they want to take away your social security”, “they want to kick your grandparents to the streets”,”they want to starve the children”, those are just a few phrases they have kept repeating since the 1970’s.

There are over 50 federal jobs programs in every state, that are not needed because its is a private industry issue not a federal govt issue. Just as the minimum wage law is not needed, it is just a federal program that creates an incentive for people to rely on the largesse of the federal government. I am in a state where the minimum wage is almost double the federal minimum wage law.

The double standard is so apparent, they are directly implying that average person is not as intelligent as they are and that is why they deem themselves smarter than the average person who needs to be told how to do everything from where to live, what to eat, where to work, where they can go to school. Take congresswoman Maxine Waters, prime example of living proof of double standards she does not live in the district she represents, she lives in a multi-million dollar house while the average person in the district she represents has a home that is less than 80,000 at best.

The media also helps in furthering the double standards by refusing to investigate anyone who has the Letter D behind their names if they are elected, the media will only investigate them if they can no longer be useful. Another double standard is Hillary Clinton, she has broken so many federal laws, yet they refuse to even think she has done anything wrong.

A huge double standard is the difference between President Trump and, former President Clinton. President Trump only spoke crudely of treating women being caught on video tape intentionally to try and ruin his life, versus former President Clinton who has been a serial sexual deviant and rapist since he was 18 and a Rhodes scholar. Former President Clinton has been a frequent flyer on the Lolita express owned by a convicted pedophile and a frequent visitor to said pedophiles island, where as President Trump has not and will not go near the convicted pedophile.

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Southern Poverty Law Center

August 26, 2017

After reading multiple websites and reading information on how the southern poverty law center came into being, I have come to the conclusion the real and true nature of the SPLC aka southern poverty law center real intentions are and what they do so as to keep the DNC and demcorats such as harry Reid and shummer and Nancy pelosi hands clean from contact but they are indirectly giving monies and blueprint on what to do each month.

The SPLC is the clearing house for information and directive control of the KKK, black lives matter movement, neo-nazis and the white supremacists by directing them where to demonstrate and to cause as much mayhem even violent acts to intimidate the elected GOP memebers in Congress. Every time the SPLC speak or issue a new map listing groups they disagree politically there is a demonstration planned knowing full well that violence will occur even some will be deadly expressly for that purpose at times.

Take Charlottesville as the most recent example of demonstrations and violence, first the person who filed the paperwork for the protest march is in fact one of the leaders that created the occupy Wall Street movement that failed. The ALT-right groups are actually groups created and funded by the SPLC and George Soros. The SPLC gives the groups their orders indirectly thru back channels.

The SPLC should be considered a home grown terrorist hate group because if you even disagree with any of their political views you are deemed full of hate and will be destroyed for not acknowledging that their way of thinking is the only what to think, any opposing views are not tolerated by the group. GuideStar what use too be a legit organization that listed charities that used most of the money they received for its purpose versus charities that had very high overhead costs.

The SPLC funnels money to the extremist groups so that they can continue to spread the hate of the left and the Democratic Party. It’s sad to note but nobody has taken the time to tie the SPLC to the attacks that the SPLC has sued and the number of cases they have won. It’s too convenient that to have such a nearly perfect case of winning suits in the manner they have goes against all probabilities. Yes the KKK did attack and burn down the original SPLC building but the coincidences to me are hard to ignore, since the SPLC pays the KKK and other extremist groups. These are just my opinions but somebody needs to investigate the real nature and purpose of the SPLC.

The SPLC does not allow opinions differing from theirs if you do you are a racist, a homophobe, misogynist, anything to intimidate a person to back down from their personal beliefs. I know that I will be attacked because of this post but what can they do, when they malign people and groups already for not accepting only their view of the world. Currently the SPLC is attacking President Trump for the pardon of former sheriff Arpiao of Arizona based on a falsehood they wish to perpetrate upon the American citizens.

First and foremost illegal immigrants do not have they same civil rights as American citizens and LEGAL immigrants have, illegal immigrants are granted the most basic rights which are to be treated fairly when arrested, and basic medical needs or food. ILLEGAL immigrants are not entitled to a free education, citizenship does not happen if you are born here unless one parent is already an American citizen, so there is no such thing as anchor babies to begin with, as the SPLC wants people to believe.

Checking a persons immigration status is not illegal to do, only when obama was in office, La Raza and the SPLC are assisting the Democratic Party in creating the next voting block of American citizens who in fact would really become 2nd class citizen with no opportunity to advance or get an education to help them achieve independence from govt handouts. The democrats see the ILLEGAL immigrants only purpose is to keep them in power politically.

The SPLC and La Raza put the rights of ILLEGALs higher than the civil rights of American citizens and LEGAL immigrants. If you are in America illegally then you only have basic rights and nothing more, American citizens and LEGAL immigrants have the same basic civil rights guaranteed in the U.S. Constitution where as ILLEGALs only have basic rights that are less than American civil rights.

I stated before it’s time someone really investigated the SPLC and its ties to the groups that protest and violently demonstrate. There are no conservative groups or individuals that give money to groups such as the KKK ever. The media should also be included in being investigated for helping assist the SPLC.

This post is just my opinion, but if someone wants to do the investigating, I say go for it one hundred percent.

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Confederacy

August 25, 2017

The Democratic Party has now begun the whitewashing of the parties real history, they are trying to erase the real confederacy connection that the party has.

The democrats are going to have to purge all members of the house and senate members from the time of the confederacy. They will have to purge the awarding of the Margaret Sanger award, and the fullbright scholarship.

They will need to rename buildings named in honor of former demcorats, the party as a whole will have to renounce their creation of the KKK and the continued control of the organization as well.

The Civil war was not originally about slavery but excessive taxation by the federal government at the time. In Lincolns own papers it shows where he ordered the navy to fire upon fort Sumter the tax fort in Charlestown bay. Freeing the slaves was a means to end the war faster than to let it continue for years. What most people do not realize is that the emancipation proclamation only covered the southern states in the confederacy that was fighting against the union army.

It wasn’t until 1869 that congress freed the slaves that were slaves in the northern states, the main reason for the delay was”good help is hard to find”.

The media also needs to be held accountable for their actions as well, for lying about the connections of the person who was the organizer for the Charlottesville protest march is actually a founder of the occupy wall street protest. They now have people from their own party organizing protest marches for people with conservative views, so they can accuse conservatives creating a hostile environment that allows the taking and erasing of their true history.

Currently the entire media both print and television are helping the Democratic Party and its elected members whitewash their real history by implicating that the neo-nazis, white supremacists,and the KKK are all socialist progressive based. The KKK was created by the democrats during the reconcruction era and have continued to fund it thru the likes of George Soros, and other multimillionaires within the Democratic Party ranks. If they want to totally white wash their history then they need to renounce Margaret Sanger, Al Gore Sr, formers senators Fulbright and the scholarship, and senator Byrd as well.

They need every democrat whose family even remotely is tied to slavery and or rascism, to resign.they also need to admit they blocked the real end to slavery for four more years after the end of the civil war. Slavery was still allowed in the northern states for four years after the civil war ended on the basis of “good help was hard to find”.

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Decoration Day or Memorial Day

May 27, 2017

On May 5th 1868, General John A. Logan declared that May 30th would be known as Decoration Day Nation wide, that date was chosen because it held no significance as an anniversary of any past battle in America.

This day is set aside for the men and women who have given the ultimate sacrifice by giving their all, its also to honor those who are currently serving and for those who have served in the military for this nation willing and for those who were drafted as well.

We have places in this country who are attempting to whitewash history by removing monuments to soldiers and generals and important figures from the civil war. It is because of the civil war that we have Decoration Day/Memorial Day, the civil war was not fought over slavery but it eventually has been taught that is all it was about.

Prior to the start of the civil war, the federal government was taxing raw products and finished products that came from the southern states. The representatives in the house and in the senate told the federal government that if the excess taxation did not stop that they would leave the union and form their on nation. About that time the southern states were also looking at freeing all slaves and giving each male slave a 1/4 or 1/2 acre for each year they lived on a plantation.

In President Lincoln’s own words “we can not let the southern states leave for they fund the federal government” The federal government struck first by invading the southern states to prevent succession of the southern states.

President Lincoln issued the Emancepation Proclamation, on January 1st 1863, freeing all slaves, there was caveat to his speech, it only affected the slaves in the southern states while the civil war was going on. It wasn’t until 4 years later that the slaves in the northern states and southern states that was loyal to the union were freed.

Prior to the civil war as I had stated the southern states were looking into freeing the slaves the same at Russia had in 1859. Prior to Lincoln starting the war with a surprise attack on Charleston harbor on April 8th 1861, to occupy Fort Sumter which at that time was a federal tax collection fort. The southern states were starting the process of freeing the slaves. The occupation of Fort Sumter by the federal government military and navy altered that course of action by the southern states.

After the civil war had ended and congress initiated the process of reconstruction which in turn allowed for people from the northern states to move to the southern states became known as carpet baggers. It as during the era of reconstruction that majority of the representatives from the southern states were former slaves that were freed by Lincoln’s emancipation proclamation. The southern Democratic Party had created its response to the reconstruction time period which became known as the KKK party.

The klan was created as a response to the northern states using reconstruction era to have blacks in congress. The klan terroized and even killed blacks to get their point across. Up until the civil rights bill as passed by congress in the 1960’s, there was 7 other attempts to pass civil rights legislation by congress but the democrats in congress blocked them all.

It as the democrats that created the Jim Crow laws, the separate but equal education system, the whites only and blacks only laws. It was the democrats in power in the southern states that used the police, the police dogs, water cannons, and the states national guards against the civil rights marchers in the late 1950’s and the early 1960’s.

The civil rights bill that was voted on in the house in 1964 was filibustered by Al Gore Sr in the senate until another senator from Minnesota rewrote several sections that dealt with voting rights, the original version ould enshrine in the constitution the right to vote regardless color, religion, or gender, the rewritten version had it so that the senate had to revote on the voting rights act every so often, that is when enough democrats in the senate agreed to vote to pass the civil rights bill so the president could sign it into law.

What is now known as Memorial Day is because of the civil war, there were to many men killed during the civil war and to think we have people who have been elected feel it’s their right to remove monuments and to erase history because a few are offended by our nations past. To erase our past means that we as a nation are bound to repeat history. We need to embrace our past so that we do not repeat our past, but we are on the verge of repeating our past because a single political party prefers to keep groups of people as 2nd class citizens so that they will keep voting for them.

The civil war was not fought to keep a political party in power but to keep a young nation as a whole, every single soldier who has given their all in battle or in defense of this nation should be honored as well as those who are currently serving in the military and those who served and those who have retired from the military for they truly know what sacrifice truly means.

The song “If Your Reading This” best fits the term “giving it all”
It as first sung by Tim McGraw in 2007

If You’re Reading This
Tim McGraw
Lyrics
If you’re reading this
My Mommas sittin there
Looks like I only got a one way ticket over here
Sure wish I
Could give you one more kiss
And war was just a game we played when we were kids
I’m laying down my gun
I’m hanging up boots
I’m up here with God and we’re both watching over you
So lay me down
In that open field out on the edge of town
And know my soul
Is where my momma always prayed
That it would go
And if you’re reading this
I’m already home
If you’re reading this
Half way around the world
I won’t be there
To see the birth of our little girl
I hope she looks like you
I hope she fights like me
Stand up for the innocent and weak
I’m laying down my gun
I’m hanging up boots
Tell dad I don’t regret that I followed in his shoes
So lay me down
In that open field out on the edge of town
And know my soul
Is where my momma always prayed
That it would go
And if you’re reading this
I’m already home
If you’re reading this
There’s going to come a day
When you’ll move on
And find some one else
And that’s OK
Just remember this
I’m in a better place
Where soldiers live in peace
And angels sing amazing grace
So lay me down
In that open field out on the edge of town
And know my soul
Is where my momma always prayed
That it would go
And if you’re reading this
I’m already home

There is another song that I will post the lyrics to as well for the soldiers who are still living, that fits them.

It’s sung by Toby Keith the title is American Soldier

Lyrics
I’m just trying to be a father,
Raise a daughter and a son,
Be a lover to their mother,
Everything to everyone.
Up and at ’em bright and early,
I’m all business in my suit,
Yeah, I’m dressed up for success,
From my head down to my boots.
I don’t do it for money
There’s bills that I can’t pay.
I don’t do it for the glory,
I just do it anyway.
Providing for our future’s my responsibility,
Yeah I’m real good under pressure,
Being all that I can be.
And I can’t call in sick on Mondays
When the weekends been too strong,
I just work straight through the holidays,
And sometimes all night long.
You can bet that I stand ready
When the wolf growls at the door,
Hey, I’m solid, hey I’m steady,
Hey I’m true down to the core.
And I will always do my duty,
No matter what the price,
I’ve counted up the cost,
I know the sacrifice.
Oh, and I don’t want to die for you,
But if dyin’s asked of me,
I’ll bear that cross with honor,
‘Cause freedom don’t come free.
I’m an American soldier, an American,
Beside my brothers and my sisters
I will proudly take a stand,
When liberty’s in jeopardy
I will always do what’s right,
I’m out here on the front lines,
So you can sleep in peace tonight.
American soldier, I’m an American,
American soldier,
An American

I found the soldiers Creed and its a good one and i hope that I am not offending anyone by just changing one word in the creed for it is meant to honor all soldiers.

A Soldiers Creed

I am an American Soldier.
I am a member of the United States Military – a protector of the greatest nation on earth.
Because I am proud of the uniform I wear, I will always act in ways creditable to the military service and the nation it is sworn to guard.
I am proud of my own organization. I will do all I can to make it the finest Military.
I will be loyal to those under whom I serve. I will do my full part to carry out orders and instructions given to me or my unit.
As a soldier, I realize that I am a member of a time-honored profession—that I am doing my share to keep alive the principles of freedom for which my country stands.
No matter what the situation I am in, I will never do anything, for pleasure, profit, or personal safety, which will disgrace my uniform, my unit, or my country.
I will use every means I have, even beyond the line of duty, to restrain my comrades from actions disgraceful to themselves and to the uniform.
I am proud of my country and its flag.
I will try to make the people of this nation proud of the service I represent, for I am an American Soldier.

Thank you for taking the time to read my view on Decoration Day/Memorial Day,
A ordinary mans view.

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The Media And The Democrats Lie Again

March 31, 2015

The latest attack on conservatism has been happening since the Governor of Indiana,
signed into law a bill that is nearly 100% identical to the bill that then president
bill clinton signed into law in 1993. The law that I am referring to is the Freedom Of Restoration Act that then president bill clinton signed into law and 25 other states had signed into law similar or identical to the federal law.

Here is a little bit of history on the bill that was signed into law by then president bill clinton, a group of native american indians were arrested and jailed for possession of peyote that they stated was for religious purposes. In 1993 when the democrats held congress and the presidency the bill Religious Of Freedom Restoration Act was passed with near 100% in the house and near 100% in the senate and bill clinton signing it into law.

Now that a Republican Governor and Republican legislature have passed the nearly identical Religious Freedom Restoration Act to the Federal version is to be deemed discriminatory against gays, lesbians, transgender but yet wont protest the same federal law that has been on the books since 1993. Here is the Federal Law Link, and Indiana’s law Link, as you can tell the laws are nearly identical the only issue is that a Republican Governor did the same thing that the democrats rushed to protect the use of peyote by native american indians.

Now that liberals are having to deal with the state of Indiana having the same law on their state law books, they had to come up with a farce of claiming discrimination and will not allow the truth to be known. The law has what is called the Sherbert Test which mandates strict scrutiny if a law has violated the freedom of religion in the 1st amendment.

liberals and democrats and the media hate that a state with a republican governor, and state controlled legislature are applying the same federal law and having it on the state law books. They now see this law only in one light and will not accept any other story line other than it is based on allowing sexual discrimination against gays and lesbians and transgendered.

Colorado does not have this law on their books and case in point is when a lesbian couple knowing full well that a specific bakery ran their bakery based on their religious beliefs. They went in and tried ordering a wedding cake knowing that they would be turned down for the cake only, for years they had been customers for other bakery items. The couple never turned them away from buying any of their products they only turned them down for the wedding cake based on their religious values and beliefs. They were put out of business by the lesbian couple complaining to the state for the bakeries discrimination against them based on sexual orientation.

This law in Indiana now has the state making sure that bills passed and signed into laws do not encroach on the first amendment of the Constitution. George Stephanopoulos on ABC tried to redirect the interview many times by implying that the law was blatantly discriminatory only against gays and lesbians. The Governor would have nothing to do with that tactic and kept on message and even educating George that the same law was passed by the democrats and signed into law by bill clinton in 1993.

The democrats passed the bill in 1993 and signed into law the same year praised it for being all inclusive. Now that the law is being used for practical reasons and it fits squarely into conservative views and values they are in a catatonic state of anger that their law is being used for good.

Bill Clinton signed the bill into law in 1993 and obama voted for a nearly identical bill in 1998, democrats hate when a law can be used by conservatives in the same manner to protect individuals and businesses

This Law means that the person or business is considered innocent until the state can find that a law was not burdensome on a person or business now……..As does the Federal Law…….

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ObamaCare The Law That Is Racist

October 13, 2013

I woke up sometime during the night because mother nature has deemed me old enough to have a time clock alarm in my bladder thank you mother nature.

The title says it all and I wrote down what it means and by federal law this program must end……….

The Affordable Patient Health Care Act aka obamacare comes right to the point of being racist and discriminatory in the same breath first time that congress has allowed and even voted on a bill that lets the federal govt to use discrimination and be racist legally at the same time.

This law discriminates against you because of your age!

This law discriminates against you because of your sexual preference!

This law discriminates against you based on your skin color!

This law discriminates against you because of your gender as well!

This law discriminates against you if you are not muslim!

This Law also discriminates against couples who are married………..

talking about racism this law was written and aimed at illegals to begin with because the democratic party needs a new group to enslave and they will be worshiped for it.

If you are an American Citizen already you are punished by the law….

Exceptions to this are in you are black, gay, lesbian, perpetual pro amnesty, muslim, pro baby death (planned parenthood actually admitted they are for this), if you are getting govt subsidies and are willing to live according to the rules that the federal govt sets forth for you to live on govt handouts then you will not be punished by the law.

Soon this law will encumber if a person will be selected by the govt to go onto a college education provided by the state, The U.K. is a great example of how the govt selects who gets into college.

Prove me wrong with verifiable proof that obamacare is not based on racism and discriminatory acts built into the law by the democratic party

This law also does what the democrats have been trying to do by re-enslaving the very people who were freed by President Abraham Lincoln, plus it shreds the constitution by letting the HHS Dept do what

they have been unable to do and that is bypass the constitution and the rule of law………….

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The Real Truth Is Exposed About The Housing Bubble!!!!

November 5, 2011

This ties the C.R.A. bill signed into law in 1976, bill clintons secret commission that found their

findings on false information and used the findings as a loaded gun to the banking, savings and loans

and the mortgage companies.  It is these two actions that created and caused the abuses and the

economy that we have today, it can be laid at the feet of the Democrats and obama is taking it even

more to the left of the left…………

Smoking-Gun Document Ties Policy To Housing Crisis

By PAUL SPERRY, FOR INVESTOR’S BUSINESS DAILY Posted 10/31/2011 08:05 AM ET

 View Enlarged Image

President Obama says the Occupy Wall Street protests show a “broad-based frustration” among Americans with the financial sector, which continues to kick against regulatory reforms three years after the financial crisis.

“You’re seeing some of the same folks who acted irresponsibly trying to fight efforts to crack down on the abusive practices that got us into this in the first place,” he complained earlier this month.

But what if government encouraged, even invented, those “abusive practices”?

Rewind to 1994. That year, the federal government declared war on an enemy — the racist lender — who officials claimed was to blame for differences in homeownership rate, and launched what would prove the costliest social crusade in U.S. history.

At President Clinton’s direction, no fewer than 10 federal agencies issued a chilling ultimatum to banks and mortgage lenders to ease credit for lower-income minorities or face investigations for lending discrimination and suffer the related adverse publicity. They also were threatened with denial of access to the all-important secondary mortgage market and stiff fines, along with other penalties.

Bubble? Regulators Blew It

The threat was codified in a 20-page “Policy Statement on Discrimination in Lending” and entered into the Federal Register on April 15, 1994, by the Interagency Task Force on Fair Lending. Clinton set up the little-known body to coordinate an unprecedented crackdown on alleged bank redlining.

The edict — completely overlooked by the Financial Crisis Inquiry Commission and the mainstream media — was signed by then-HUD Secretary Henry Cisneros, Attorney General Janet Reno, Comptroller of the Currency Eugene Ludwig and Federal Reserve Chairman Alan Greenspan, along with the heads of six other financial regulatory agencies.

“The agencies will not tolerate lending discrimination in any form,” the document warned financial institutions.

Ludwig at the time stated the ruling would be used by the agen cies as a fair-lending enforcement “tool,” and would apply to “all lenders” — including banks and thrifts, credit unions, mortgage brokers and finance companies.

The unusual full-court press was predicated on a Boston Fed study showing mortgage lenders rejecting blacks and Hispanics in greater proportion than whites. The author of the 1992 study, hired by the Clinton White House, claimed it was racial “discrimination.” But it was simply good underwriting.

It took private analysts, as well as at least one FDIC economist, little time to determine the Boston Fed study was terminally flawed. In addition to finding embarrassing mistakes in the data, they concluded that more relevant measures of a borrower’s credit history — such as past delinquencies and whether the borrower met lenders credit standards — explained the gap in lending between whites and blacks, who on average had poorer credit and higher defaults.

The study did not take into account a host of other relevant data factoring into denials, including applicants’ net worth, debt burden and employment record. Other variables, such as the size of down payments and the amount of the loans sought to the value of the property being bought, also were left out of the analysis. It also failed to consider whether the borrower submitted information that could not be verified, the presence of a cosigner and even the loan amount.

When these missing data were factored in, it became clear that the rejection rates were based on legitimate business decisions, not racism.

Still, the study was used to support a wholesale abandonment of traditional underwriting standards — the root cause of the mortgage crisis.

For the first time, Washington’s bank regulators put racial lending at the top of their checklist. Banks that failed to throw open their lending windows to credit-poor minorities were denied expansion plans by the Fed in an era of frenzied financial mergers and acquisitions. HUD threatened to deny them access to Fannie Mae and Freddie Mac, which it controlled. And the Justice Department sued them for lending discrimination and branded them as racists in the press.

“HUD is authorized to direct Fannie Mae and Freddie Mac to undertake various remedial actions, including suspension, probation, reprimand or settlement, against lenders found to have engaged in discriminatory lending practices,” the official policy statement warned.

The regulatory missive, which had the effect of law, advised lenders to bend “customary” underwriting standards for minority homebuyers with poor credit.

“Applying different lending standards to applicants who are members of a protected class is permissible,” it said. “In addition, providing different treatment to applicants to address past discrimination would be permissible.”

To that end, lenders were directed to “make changes in marketing strategy or loan products to better serve minority segments of the market.” They were also advised to “change commission structures” to encourage brokers and loan officers to “lend in minority and low-income neighborhoods” — a practice Countrywide Financial, the poster boy of the subprime scandal, perfected. The government now condemns the practice it once encouraged as “predatory.”

FDIC warned banks that even unintentional discrimination was against the law, and that they should be proactive in making “multicultural” loans. “An ounce of prevention is worth a pound of cure,” the agency said in a separate advisory.

Confronted with the combined force of 10 federal regulators, lenders naturally toed the line, and were soon aggressively marketing subprime mortgages in urban areas. The marching orders threw such a scare into the industry that the American Bankers Association issued a “fair-lending tool kit” to every member. The Mortgage Bankers Association of America signed a “fair-lending” contract with HUD. So did Countrywide.

HUD also pushed Fannie and Freddie, which in effect set industry underwriting standards, to buy subprime mortgages, freeing lenders to originate even more high-risk loans.

“Lenders should ensure that their loan processors and underwriters are aware of the provisions of the secondary market guidelines that provide various alternative and flexible means by which applicants may demonstrate their ability and willingness to repay their loans,” the policy statement decreed.

“Fannie Mae and Freddie Mac not infrequently purchase mortgages exceeding the suggested ratios” of monthly housing expense to income (28%) and total obligations to income (36%).

It warned lenders who rejected minority applicants with high debt ratios and low credit scores to “be prepared” to prove to federal regulators and prosecutors they weren’t racist. “The Department of Justice is authorized to use the full range of its enforcement authority.”

It took a little more than a decade for the negative effects of the assault on prudent lending to be felt. By 2006, the shaky subprime mortgages began to default. In 2008, the bubble exploded.

Clinton’s task force survived the Bush administration, during which it produced fair-lending brochures in Spanish for immigrant home-loan applicants.

And it’s still alive today. Obama is building on the fair-lending infrastructure Clinton put in place.

As IBD first reported in July, Attorney General Eric Holder has launched a witch hunt vs. “racist” banks.

“It’s a more aggressive fair-lending enforcement approach now,” said Washington lawyer Andrew Sandler of Buckley Sandler LLP in a recent interview. “It is well beyond anything we saw during the Clinton administration.”

Tom Perez, assistant attorney general for civil rights, recently testified that his division “continues to participate in the federal Interagency Fair Lending Task Force.” And he and the task force are working with the newly created Consumer Financial Protection Bureau to “enhance fair-lending enforcement.”

The fair-lending task force’s original policy paper undercuts the notion the financial crisis was all about banker “greed,” though it certainly played a role after the fact. Rather, it offers compelling evidence that the crisis evolved chiefly from government mandates and threats to increase lending to applicants who could not afford them.