(2012) The Subprime Solution: How Today’s Global Financial Crisis Happened, and What to Do about It, Princeton, New Jersey: Princeton University Press; E. Pinto (2015), “Three Studies of Subprime and Alt-A loans in the U.S. Mortgage Market,” American Enterprise Institute (January 2015), www.aei.org/wp-content/uploads/2014/09/PintoGovernment-Housing-Policies-in-the-Lead-up-to-the-Financial-Crisis-3-Studies-1.6.15.pdf.
3 See, for example, Alan Greenspan, “Government-Sponsored Enterprises,” remarks delivered at the Conference  on Housing, Mortgage Finance, and the Macroeconomy, Federal Reserve Bank of Atlanta, May 19 2005, www.federalreserve.gov/boarddocs/speeches/2005/default.htm; and Randal Quarles “Remarks Before the Women in Housing and Finance,” June 13, 2006. 4 More  specifics on the features required for qualified mortgage at www.consumerfinance.gov/askcfpb/1789/what-qualified-mortgage.html.