Some people have argued for stricter regulations of the banking industry in the wake of the subprime mortgage meltdown. Explain in detail what additional oversight procedures should be placed over the banking industry in this country. • Some people have argued that individual borrowers bear a large share of the responsibility for the mortgage meltdown because they should have known they were borrowing more than they could afford to keep up with. Explain in detail why you agree or disagree with this argument.
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