I am pleased that repeal of the CRA -1977 is being investigated and hopefully repealed, however one of the key problems that could lead to another 'bubble' is that of fractional reserve banking. It used to be that banks were required to maintain reserves of as much as 75% , for the purpose of backing their loans in the event of defaults. Over time that reserve requirement has dropped to as little as 10% ,which is why banks needed a government bailout,after the 2008 'housing bubble',the banks did not have the reserves to cover their loan defaults. Banks, like individuals must be forced to suffer the financial burden of bad loans, if they can continue to make bad loans without being responsible when they default, if they can get bailed out for loan defaults, I believe they will continue to do so. I feel one of the most important legislative measures President Trump should focus on is to require banks to increase their fractional reserves back to as much as 75% of  their outstanding loans

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