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Why was the Bush Administration blamed for the sub prime mess when acdorcing to the New York Times it was the Clinton Administration that began pressuirng Banks to make the NINJA loans available. The Clinton folks went so far as to threaten fines and other legal actions if banks did not make the loans to unqualifeid buyers as part of the Community Redevelopment Act. Here is a qoute from the New York Times story. See BelowA New York Times article, Fannie Mae Eases Credit To Aid Mortgage Lending (Sept. 30, 1999), reported, Fannie Mae, the nations biggest underwriter of home mortgages, has been under increasing pressure from the Clinton administration to expand mortgage loans among low and moderate income people. The pressure was the 1977 Community Reinvestment Act that was beefed up during the Clinton administration. It required banks to make high-risk loans they would not have otherwise made. Failure to comply meant fines and difficulty in getting approval for mergers and branch expansion.