Tuesday, January 22, 2013 3:02:05 PM
He's arguing to reduce inefficiency inherent to the redundancy built into F&F. But they were made to compete.
Biggest issue I have with his basis for removing the competitive element (albeit resulting in utility-like model, is that he claims the quality of credit standards deteriorated due to said competition; the financial crisis committee basically shows that F&F had no where else to go, the vast majority of credit coming in being rather 'shoddy' leading up to the brink of the crisis
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