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Where did the Subprime Mortgage Crisis come from?

Jerry Bowyer is a former accountant and local talk-show host in Pittsburgh, who now acts as an economic advisor to a financial investment advisory firm.  He appears regularly on MSNBC and other media outlets.
 
 
The Main Stream Media has suggested that it's a LACK of regulation or oversight.

Jerry's argument makes intuitive sense to me and seems logical.  It may be some time before a couple of economists are able to get a hold of the relevant data to back up what seems to be to be a plausible theory.
 
Jerry uses it to take a swipe at Obama at the end and in a follow-up commentary.
 
BTW, The one area where I disagree most with Jerry is his expectation for inflation.  He doesn't see it as a problem, and so far in most of the data he is correct.  But food and fuel have already kicked up substantially and I expect that these increases will push through to other parts of the economy in the current year.
 
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