1. See e.g. Kathleen C Engel & Patricia A McCoy, The Subprime Virus: Reckless Credit, Regulatory Failure, and Next Steps (New York: Oxford University Press, 2011) at 22
2. Jacob S Rugh & Douglas S Massey, 'Racial Segregation and the American Foreclosure Crisis' (2010) 75 American Sociological Review 629 at 639.
3. See e.g. United States, Office of the Comptroller of the Currency, Office of Thrift Supervision, Federal Reserve System, Interagency Review of Foreclosure Policies and Practices (2011) at 2–3.
4. See e.g. United States Financial Crisis Inquiry Commission, The Financial Crisis Inquiry Report: Final Report of the National Commission on the Causes of the Financial and Economic Crisis in the United States (Washington, DC: Financial Crisis Inquiry Commission, 2011) at 225–6, 235–42.
5. See e.g. United States, Congressional Oversight Panel, Evaluating Progress on TARP Foreclosure Mitigation Programs (2010) at 72.