query1 subprime lending expquery1 subprime lending loans finance "mortgage lenders" "intense competition" "market share" "mortgage originators" "market power" query2 growth housing bubble expquery2 "real estate" median household income american house price query3 easy credit conditions expquery3 easy credit conditions "federal reserve" "interest rates" "2001 terrorist attacks" "housing bubble" "federal funds rate" query4 weak fraudulent underwriting practices expquery4 weak and fraudulent underwriting practices consumer lending group "richard M. bowen III" "correspondent lending" "business chief underwriter" query5 predatory lending expquery5 predatory lending "secured loans" "countrywide financial" "unscrupulous lenders" "interest rates" "adjustable rate mortgage" "home refinancing" ~ query6 deregulation ~ expquery6 deregulation "U.S. treasury secretary" "timothy geithner" "regulatory framework" "financial innovation" "shadow banking system" query7 increased debt burden or over-leveraging expquery7 Increased debt burden or over-leveraging "financial institutions" "financial instruments" "risky investments" "highly leveraged" query8 financial innovation and complexity expquery8 financial innovation and complexity "financial products" "ongoing development" "financial innovation" "collateralized debt obligations" "client objectives" "mortgage-backed securities" "risk exposure" query9 incorrect pricing of risk expquery9 incorrect pricing of risk "additional risk" "interest rates" "risk levels" "incremental compensation" query10 boom and collapse of the shadow banking system expquery10 boom and collapse of the shadow banking system "traditional institutions" "credit markets" "federal Reserve Bank" query11 commodities boom expquery11 commodities boom "price of oil" "commodity prices" "housing bubble" ~ query12 systemic crisis expquery12 "systemic crisis" "financial capitalism" "john bellamy foster" "speculative bubbles" "stock market" query13 role of economic forecasting expquery13 role of economic forecasting "dirk bezemer" "mainstream economists" "eric janszen" "nouriel roubini" "wynne godley" "steve keen" "jens kjaer sørensen" pPeter schiff" "robert shiller" "fred harrison" "michael hudson" "heterodox economists"