In recent weeks, the explanation for the financial and economic crisis that has gripped the world economy has shifted sharply from deregulation and lack of governmental oversight of financial institutions to fraud and criminal activity. In truth, the U.S. Federal Bureau of Investigation began to warn of an “epidemic” of mortgage fraud back in 2004,
http://www.businessinsider.com/complete-collapse-not-out-of-the-question-2010-11
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