text: Not according to the FCIC: "The FCIC wrote that U.S. government affordable housing policies and the Community Reinvestment Act (CRA) were not primary causes of the crisis, as the events were primarily driven by the private sector, with the major investment banks at the core of the crisis not subject to depository banking regulations such as the CRA."
  
  Moreover, your link doesn't support your partisan efforts to pin the blame on Democrats. For example, it mentions GWB's role at least twice: "Making matters worse, President Bush pushed hard for lax lending standards. He wanted to expand minority and low income home ownership far beyond what the CRA required. "