I would hate to break the news to you but there was much, much more involved in the housing crisis. The Community Reinvestment Act was just a symptom of the problem. The government also backed all of these mortgages by using Freddie and Fannie to guarantee these risky mortgages. Also if the Federal Reserve did not did not alter interest rates to attempt to get us out of the Dot Com bubble then the housing bubble would have been stopped dead in its' track.
The bankers and government together created this problem. The bankers also made a bunch of money too. Just another way the Government is sucking the wealth from the middle class and the poor and dumping it into the hands of the wealthy.