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Freddie holding assets they shouldn't have been holding, which we need to have less being held by these folks. i was one of the people that sign adler back in 2005 and 6 and said we better reform these institutions or we're going to have a meltdown, and that's exactly what happened. part of it was government regulation and government markets that caused the bubble and caused the loose lending practices that lent to the problems. >> it was deregulation that took us to where we are in the housing market, there's no question about that, and we should have never had that regulation leave us in 199...

>> no, no, it wasn't deregulation, it was fannie and freddie holding assets they shouldn't have been hold iing, which we need to have less being held by these folks. i was one of the people that sign adler back in 2005 and 6 and said we better reform these institutions or we're going to have a meltdown, and that's exactly what happened. part of it was government regulation and government markets that caused the bubble and caused the loose lending practices that lent to the problems. >> it was deregulation that took us to where we are in the housing market, there's no question about that, and w...