This is the title of a lecture by Kathleen C. Engel, JD, a "national authority on mortgage finance and regulation, subeprime and predatory lending, and hosueing discrimination," according to the American Institute for Econimic Research ("AIER"). Her entire presention to an AIER forum is available on video. I read an adaptation of the presentation here, although you may need to be an AIER member to read it. I recommend either viewing the video or reading the article and also recommend joining AIER.
Ms. Engel is the co-author of The Subprime Virus: Reckless Credit, Regualtory Failure and Next Steps (Oxford Univeristy Press 2011).