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My entire point the whole way through was about Sowell being wrong about the CRA, and it literally doesn't matter when it was introduced. It was an example of anti discrimination legislation regarding loans that Sowell has directly commented on, what other example should I use?

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Parent's argument can still be correct even though the CRA did not cause the housing crisis.

Those are unrelated. The first argument might be correct and the CRA increases defaults by giving loans to people who can't afford them, and still there was a regulatory failure with firms rubber stamping bad debts as AAA and packaging them up in 2008.

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