Category Archives: Multiculturalism

Update III: On Libertarians Who Dismiss The NRA (& ‘Heller’)

Business, Constitution, Individual Rights, Left-Liberalism And Progressivisim, libertarianism, Multiculturalism, Natural Law

Myron Pauli, a valued reader whose letters are always stimulating, has given in to the sin of abstraction so many libertarians are guilty of. (See the Comments Section of the previous
post.) The root of this error comes from being high on your own ideological purity. So high you walk around with a hangover that clouds clear thinking rooted in reality.

Such individuals have discovered libertarian theory (often from dubious sources), and have set about enforcing it with the zeal of soviet apparatchiks, instead of working with reality. Which is what the very flawed, non-ideological NRA does.

For example, the fact that the NRA has acquiesced to—or rather works around—licensing, causes libertarian purists to dismiss the NRA. This is silly, if not a non sequitur, given the enormous amount of good work the NRA does. And given the fact that libertarians have achieved precious little in this respect. Without the NRA and its formidable clout, there would be no Second Amendment rights in this country. The fact that they are hated by the Left is a notch on their Second Amendment scorecard. (But, as I said to Sean the other day, libertarians don’t share my visceral hatred of the left. Passionless people, for the most)

Myron’s particular argument goes as follows: Because the NRA is “suing private company Walt Disney for the ‘right’ to take their guns on Disney property,” they are useless, not to be supported, and, for good measure, let us call them props of the Republican Party who only pretend to recognize gun rights. More non sequiturs. (No evidence is offered for the accusation that the NRA doesn’t really recognize Second Amendment rights.)

The NRA’s ideas of private property are not my own. But, equally, very many libertarians reject my hard-core propertarian position. For example, lots of libertarians think the libertarian law should not countenance the right of a property owner to eliminate a home invader out of hand. (How many libertarians think Joe Horn is a hero?)

Liberty lovers, instead of being high on their own purity, should take a deep breath and work with reality. This does not mean compromising principles. With respect to the NRA, this implies recognizing and articulating its theoretical flaws but reconciling its realistic gains for liberty.

The NRA’s lack of libertarian purity on private property and their alliance with the GOP notwithstanding, they are a formidable force when it comes to their rather narrow mandate: Second Amendment rights.

Update I (July 13): Let’s see, in an imperfect, ideologically impure world, where corporations are second only to the state in their demands for compliance with diversity doxology, the cult of multiculti, and all manner of suppression–who do I root for; Walt Disney or the little guy with the gun?

It’s much like asking me who I support in the case of another of America’s leftist corporations, Pizza Hut, which sacked James William Spiers for defending himself during a delivery that was really an ambush. Writes blogger Big Dog:

“The details are pretty straight forward. A woman, an accomplice of a criminal, placed a [sic] order for a pizza. The delivery man, James William Spiers, attempted to deliver the pizza when he was confronted by a man who put a gun to his head. Spiers, who has a permit to carry a handgun, grabbed the assailant’s gun and pulled his own weapon. The attacker was shot three times.”

“When police arrived at the scene Spiers placed his hands in the air and dropped to his knees and told the police that he had both weapons in his pockets. So far no charges have been filed but Pizza Hut has suspended Spiers. The company has a policy against carrying a weapon, even for those who have a permit to carry one…”

Pizza Hut prefers for its innocent employees to die rather than defend themselves on the job. This is not the first time the company has followed through on this preference. Here’s a similar story.

Most Americans, who spend their days on the job, cannot carry to work. That rules out self-defense during a good part of the day. Even if workers leave the thing in the car—ill advised, of course—a colleague who discovers their “deviancy” might just tattle, and they risk being retrenched.

Corporations are not that different to government when it comes to rights. Yes, strictly speaking, in libertarian law, the former have a right to write the suspension of rights into their contracts, whereas the latter doesn’t. However, it must be obvious with who I sympathize given what I know of America’s corporate culture—extreme leftism, commitment to making the workforce as multicultural as possible (in the face of the misery and inefficiencies it breeds), a concomitant devotion to forced integration (or else); gay-centric propaganda and circulars routinely foisted on Christians, and a pervasive hostility to Christianity (while prayer rooms for Muslim workers are erected everywhere).

Update II: To those who conveniently “forget” my immutable position on property rights, sympathizing with the Davids in this story doesn’t imply, not even remotely, a support for litigation against the Goliaths. But then those who read this site know I’m a strict propertarian.

Update III (July 14): one of the more vigorous libertarian battles being waged in this country with a good degree of success is that over the Second Amendment. This is one natural right that Americans who want it upheld understand perfectly well. Yet on my blog, there has been a great deal of obfuscation and negation of the gains made to date. Instead of the loopy libertarians who’ve been referenced on BAB (the same loopy sorts dissed Heller Vs. The District of Columbia), let’s listen to some “heavy hitting” clear thinkers.

Randy Barnett is one of the sharpest, most original legal minds in the libertarian community (which is why I was overjoyed when one of my formulations jibed with his, unbeknown to both of us). Dave Kopel is formidable on the Second Amendment. He lives and breathes this jurisprudence and assisted in its litigation. (Imagine; someone who’s been in the thick of the fight, instead of standing on the sidelines dissing everyone.) Here they are on Reason Magazine Online:

RANDY BARNETT: “Justice Scalia’s historic opinion will be studied for years to come, not only for its conclusion but for its method. It is the clearest, most careful interpretation of the meaning of the Constitution ever to be adopted by a majority of the Supreme Court. Its analysis of the “original public meaning” of the Second Amendment stands in sharp contrast with Justice Stevens’ inquiry into “original intent” or purpose and with Justice Breyer’s willingness to balance an enumerated constitutional right against what some consider a pressing need to prohibit its exercise. The differing methods of interpretation employed by the majority and the dissent also demonstrate why appointments to the Supreme Court are so important. In the future, we should be vetting Supreme Court nominees to see if they understand how Justice Scalia reasoned in Heller and if they are committed to doing the same. Now if we can only get a majority of the Supreme Court to reconsider its previous decisions—or “precedents”—that are inconsistent with the original public meaning of the text.”

Randy Barnett is the Carmack Waterhouse Professor of Legal Theory at Georgetown University Law Center and author of Restoring the Lost Constitution: The Presumption of Liberty.

DAVE KOPEL: “Heller is a tremendous victory for human rights and for libertarian ideals. Today’s majority opinion provides everything which the lawyers closely involved in the case, myself included, had hoped for. Of course I would have preferred a decision which went much further in declaring various types of gun control to be unconstitutional. But Rome was not built in a day, and neither is constitutional doctrine.

For most of our nation’s history, the U.S. Supreme Court did nothing to protect the First Amendment; it was not until the 1930s when a majority of the Court took the first steps towards protecting freedom of the press. It would have been preposterous to be disappointed that a Court in, say, 1936, would not declare a ban on flag-burning to be unconstitutional. It took decades for the Supreme Court to build a robust First Amendment doctrine strong enough to protect even the free speech rights of people as loathsome as flag-burners or American Nazis.

Likewise, the Equal Protection clause of the Fourteenth Amendment was, for all practical purposes, judicially nullified from its enactment until the 1930s. When the Court in that decade started taking Equal Protection seriously, the Court began with the easiest cases—such as Missouri’s banning blacks from attending the University of Missouri Law School, while not even having a “separate but equal” law school for them. It was three decades later when, having constructed a solid foundation of Equal Protection cases, the Court took on the most incendiary racial issue of all, and struck down the many state laws which banned inter-racial marriage.

So too with the Second Amendment. From the Early Republic until the present, the Court has issued many opinions which recognize the Second Amendment as an individual right. Yet most of these opinions were in dicta. After the 1939 case of United States v. Miller, the Court stood idle while lower federal courts did the dirty work of nullifying the Second Amendment, by over-reading Miller to claim that only National Guardsmen are protected by the Amendment.

Today, that ugly chapter in the Court’s history is finished. Heller is the first step on what will be long journey. Today, the Court struck down the most freakish and extreme gun control law in the nation; only in D.C. was home self-defense with rifles and shotguns outlawed. Heller can be the beginning of a virtuous circle in which the political branches will strengthen Second Amendment rights (as in the 40 states which now allow all law-abiding, competent adults to obtain concealed handgun carry permits), and the courts will be increasingly willing to declare unconstitutional the ever-rarer laws which seriously infringe the right to keep and bear arms.
As the political center of gravity moves step by step in a pro-rights direction, gun control laws which today might seem (to most judges) to be constitutional will be viewed with increasing skepticism. The progress that the pro-Second Amendment movement has made in the last 15 years has been outstanding. As long as gun owners and other pro-Second Amendment citizens stay politically active, the next 15, 30, and 45 years can produce much more progress, and the role of the judiciary in protecting Second Amendment rights will continue to grow.”

Dave Kopel is Research Director at the Independence Institute, in Golden, Colorado. He was one of three lawyers at the counsel table who assisted Alan Gura at the oral argument on March 18. His brief for the International Law Enforcement Educators and Trainers Association was cited four times in the Court’s opinions.

Update III: On Libertarians Who Dismiss The NRA (& 'Heller')

Business, Constitution, Individual Rights, Left-Liberalism And Progressivisim, libertarianism, Multiculturalism, Natural Law

Myron Pauli, a valued reader whose letters are always stimulating, has given in to the sin of abstraction so many libertarians are guilty of. (See the Comments Section of the previous
post.) The root of this error comes from being high on your own ideological purity. So high you walk around with a hangover that clouds clear thinking rooted in reality.

Such individuals have discovered libertarian theory (often from dubious sources), and have set about enforcing it with the zeal of soviet apparatchiks, instead of working with reality. Which is what the very flawed, non-ideological NRA does.

For example, the fact that the NRA has acquiesced to—or rather works around—licensing, causes libertarian purists to dismiss the NRA. This is silly, if not a non sequitur, given the enormous amount of good work the NRA does. And given the fact that libertarians have achieved precious little in this respect. Without the NRA and its formidable clout, there would be no Second Amendment rights in this country. The fact that they are hated by the Left is a notch on their Second Amendment scorecard. (But, as I said to Sean the other day, libertarians don’t share my visceral hatred of the left. Passionless people, for the most)

Myron’s particular argument goes as follows: Because the NRA is “suing private company Walt Disney for the ‘right’ to take their guns on Disney property,” they are useless, not to be supported, and, for good measure, let us call them props of the Republican Party who only pretend to recognize gun rights. More non sequiturs. (No evidence is offered for the accusation that the NRA doesn’t really recognize Second Amendment rights.)

The NRA’s ideas of private property are not my own. But, equally, very many libertarians reject my hard-core propertarian position. For example, lots of libertarians think the libertarian law should not countenance the right of a property owner to eliminate a home invader out of hand. (How many libertarians think Joe Horn is a hero?)

Liberty lovers, instead of being high on their own purity, should take a deep breath and work with reality. This does not mean compromising principles. With respect to the NRA, this implies recognizing and articulating its theoretical flaws but reconciling its realistic gains for liberty.

The NRA’s lack of libertarian purity on private property and their alliance with the GOP notwithstanding, they are a formidable force when it comes to their rather narrow mandate: Second Amendment rights.

Update I (July 13): Let’s see, in an imperfect, ideologically impure world, where corporations are second only to the state in their demands for compliance with diversity doxology, the cult of multiculti, and all manner of suppression–who do I root for; Walt Disney or the little guy with the gun?

It’s much like asking me who I support in the case of another of America’s leftist corporations, Pizza Hut, which sacked James William Spiers for defending himself during a delivery that was really an ambush. Writes blogger Big Dog:

“The details are pretty straight forward. A woman, an accomplice of a criminal, placed a [sic] order for a pizza. The delivery man, James William Spiers, attempted to deliver the pizza when he was confronted by a man who put a gun to his head. Spiers, who has a permit to carry a handgun, grabbed the assailant’s gun and pulled his own weapon. The attacker was shot three times.”

“When police arrived at the scene Spiers placed his hands in the air and dropped to his knees and told the police that he had both weapons in his pockets. So far no charges have been filed but Pizza Hut has suspended Spiers. The company has a policy against carrying a weapon, even for those who have a permit to carry one…”

Pizza Hut prefers for its innocent employees to die rather than defend themselves on the job. This is not the first time the company has followed through on this preference. Here’s a similar story.

Most Americans, who spend their days on the job, cannot carry to work. That rules out self-defense during a good part of the day. Even if workers leave the thing in the car—ill advised, of course—a colleague who discovers their “deviancy” might just tattle, and they risk being retrenched.

Corporations are not that different to government when it comes to rights. Yes, strictly speaking, in libertarian law, the former have a right to write the suspension of rights into their contracts, whereas the latter doesn’t. However, it must be obvious with who I sympathize given what I know of America’s corporate culture—extreme leftism, commitment to making the workforce as multicultural as possible (in the face of the misery and inefficiencies it breeds), a concomitant devotion to forced integration (or else); gay-centric propaganda and circulars routinely foisted on Christians, and a pervasive hostility to Christianity (while prayer rooms for Muslim workers are erected everywhere).

Update II: To those who conveniently “forget” my immutable position on property rights, sympathizing with the Davids in this story doesn’t imply, not even remotely, a support for litigation against the Goliaths. But then those who read this site know I’m a strict propertarian.

Update III (July 14): one of the more vigorous libertarian battles being waged in this country with a good degree of success is that over the Second Amendment. This is one natural right that Americans who want it upheld understand perfectly well. Yet on my blog, there has been a great deal of obfuscation and negation of the gains made to date. Instead of the loopy libertarians who’ve been referenced on BAB (the same loopy sorts dissed Heller Vs. The District of Columbia), let’s listen to some “heavy hitting” clear thinkers.

Randy Barnett is one of the sharpest, most original legal minds in the libertarian community (which is why I was overjoyed when one of my formulations jibed with his, unbeknown to both of us). Dave Kopel is formidable on the Second Amendment. He lives and breathes this jurisprudence and assisted in its litigation. (Imagine; someone who’s been in the thick of the fight, instead of standing on the sidelines dissing everyone.) Here they are on Reason Magazine Online:

RANDY BARNETT: “Justice Scalia’s historic opinion will be studied for years to come, not only for its conclusion but for its method. It is the clearest, most careful interpretation of the meaning of the Constitution ever to be adopted by a majority of the Supreme Court. Its analysis of the “original public meaning” of the Second Amendment stands in sharp contrast with Justice Stevens’ inquiry into “original intent” or purpose and with Justice Breyer’s willingness to balance an enumerated constitutional right against what some consider a pressing need to prohibit its exercise. The differing methods of interpretation employed by the majority and the dissent also demonstrate why appointments to the Supreme Court are so important. In the future, we should be vetting Supreme Court nominees to see if they understand how Justice Scalia reasoned in Heller and if they are committed to doing the same. Now if we can only get a majority of the Supreme Court to reconsider its previous decisions—or “precedents”—that are inconsistent with the original public meaning of the text.”

Randy Barnett is the Carmack Waterhouse Professor of Legal Theory at Georgetown University Law Center and author of Restoring the Lost Constitution: The Presumption of Liberty.

DAVE KOPEL: “Heller is a tremendous victory for human rights and for libertarian ideals. Today’s majority opinion provides everything which the lawyers closely involved in the case, myself included, had hoped for. Of course I would have preferred a decision which went much further in declaring various types of gun control to be unconstitutional. But Rome was not built in a day, and neither is constitutional doctrine.

For most of our nation’s history, the U.S. Supreme Court did nothing to protect the First Amendment; it was not until the 1930s when a majority of the Court took the first steps towards protecting freedom of the press. It would have been preposterous to be disappointed that a Court in, say, 1936, would not declare a ban on flag-burning to be unconstitutional. It took decades for the Supreme Court to build a robust First Amendment doctrine strong enough to protect even the free speech rights of people as loathsome as flag-burners or American Nazis.

Likewise, the Equal Protection clause of the Fourteenth Amendment was, for all practical purposes, judicially nullified from its enactment until the 1930s. When the Court in that decade started taking Equal Protection seriously, the Court began with the easiest cases—such as Missouri’s banning blacks from attending the University of Missouri Law School, while not even having a “separate but equal” law school for them. It was three decades later when, having constructed a solid foundation of Equal Protection cases, the Court took on the most incendiary racial issue of all, and struck down the many state laws which banned inter-racial marriage.

So too with the Second Amendment. From the Early Republic until the present, the Court has issued many opinions which recognize the Second Amendment as an individual right. Yet most of these opinions were in dicta. After the 1939 case of United States v. Miller, the Court stood idle while lower federal courts did the dirty work of nullifying the Second Amendment, by over-reading Miller to claim that only National Guardsmen are protected by the Amendment.

Today, that ugly chapter in the Court’s history is finished. Heller is the first step on what will be long journey. Today, the Court struck down the most freakish and extreme gun control law in the nation; only in D.C. was home self-defense with rifles and shotguns outlawed. Heller can be the beginning of a virtuous circle in which the political branches will strengthen Second Amendment rights (as in the 40 states which now allow all law-abiding, competent adults to obtain concealed handgun carry permits), and the courts will be increasingly willing to declare unconstitutional the ever-rarer laws which seriously infringe the right to keep and bear arms.
As the political center of gravity moves step by step in a pro-rights direction, gun control laws which today might seem (to most judges) to be constitutional will be viewed with increasing skepticism. The progress that the pro-Second Amendment movement has made in the last 15 years has been outstanding. As long as gun owners and other pro-Second Amendment citizens stay politically active, the next 15, 30, and 45 years can produce much more progress, and the role of the judiciary in protecting Second Amendment rights will continue to grow.”

Dave Kopel is Research Director at the Independence Institute, in Golden, Colorado. He was one of three lawyers at the counsel table who assisted Alan Gura at the oral argument on March 18. His brief for the International Law Enforcement Educators and Trainers Association was cited four times in the Court’s opinions.

Update 3: Will The Real Slim Shady Please Stand Up?

Africa, Barack Obama, Elections 2008, Human Accomplishment, Multiculturalism, Race, The West

“The Obama organization now claims that [Pastor Wright’s] latest attacks on Obama prove that ‘he and Mr. Obama are not that close, otherwise why would Mr. Wright do this now? Au contraire. Hell hath no fury like a radical pastor scorned. Sen. Obama and Rev. Wright had been as tight as thieves for over two decades. When Obama got religion on the presidency, he began gradually turning his back on his spiritual counselor. Being an unconventional Christian animated by anger, Wright has refused to turn the other cheek.”

“For the duration of their 23-year relationship, Obama considered Wright a mentor and a mensch. No color should be given to the claim that Obama didn’t know and love the real Wright.”

“To paraphrase the rapper Eminem’s hit song: So will the real Slim Shady and his sassy lady please stand up?”

That and more in my new WorldNetDaily.com column, “Will The Real Slim Shady Please Stand Up?

Update: CNN’s Roland S. Martin, whom I mentioned in “Will The Real Slim Shady Please Stand Up?”, has responded to the column. I am not convinced the “be blessed” sign-off is all that sincere. My reply follows. Here’s Mr. Martin’s letter:

How culturally ignorant are you?

I read your column and talk about silly.

First, I was wearing an African formal outfit, which is the same one I have on the cover of my new book. I prefer to wear those rather than tuxedos to such events. If you choose to characterize it, do it correctly. Second, it was never intended for me to go on television. I was at the event because I had hosted their town hall meeting the previous day. But I’m not at all ashamed to wear my African outfit, and plan to do so again.

Second, you owe Soledad an apology. She was wearing a white blouse and a black skirt. If you want to show your cultural ignorance by criticizing me, go right ahead. But at least have the common sense to look at a woman on television and get her clothes right. Or maybe get yourself a new TV.

Be blessed,

Roland S. Martin
www.rolandsmartin.com
Author, “Listening to the Spirit Within: 50 Perspectives on Faith”
Syndicated columnist, Creators Syndicate
TV One Commentator
Host, “The Roland S. Martin Show”
WVON-AM/1690, Chicago
Weekdays, 6am to 9 am CST
CNN Contributor

ILANA replies:

Dear Roland,

I appreciate the response to my WorldNetDaily column, “Will The Real Slim Shady Please Stand Up?” And I do have an old TV.

Still, you have to admit that my sartorial misreading (compounded by my old TV set) does not quite explain your lack of critical analysis of the Reverend’s performance. (The comment by Reverend Ray on my blog fills in more gaps.)

Blessings to you too,

Ilana Mercer
Columnist, WorldNetDaily.com,
Author, Broad Sides: One Woman’s Clash with a Corrupt Culture
Director of Development, The Jerusalem Institute for Market Studies,
Proprietor, www.ilanamercer.com

Update 2: The private conversations with Mr. Martin turned productive and even pleasant (I’m pleased to say that most of my exchanges with reasonable people end this way).

Note that I’ve never attacked Wright on the political issues he raises. I agree with very many of the things the Reverend protests against, not least the war in Iraq and our atom-bomb war crimes (which have been debated on this blog, here).

But I reject Wright’s premise: He curses and blames white people, white government, and endemic racism for all ills. His animus toward Western culture, whose avid defender I am, is what makes him so odious.

Where does Wright think the distinctly Western ideas of human rights— the dignity of the individual and the respect for diversity—come from? Africa? They are all outgrowths of the Enlightenment, uniquely western. Not African; western. As you see, my revulsion at Wright and his ilk goes much deeper than the beefs conservatives have with him—that he dared damn the US government in its thuggish ways.

What repulses me about people like Wright is the manner in which they slam the West while using its tradition. The ideas of individual rights and the dignity of mankind are the product of the fertile minds of the pale, patriarchal, penis people: white men!

Another thought occurred to me: Wright’s style is more in the tradition of the Hebrew prophets than the Christian preacher. But even that kind comparison does violence to the magnificent prophets of the Hebrew Testament. They railed against The People—the stiff-necked Hebrews. They beat on their own people mercilessly for their sins. Wright doesn’t rouse his people; he sics them on others—teaches them to hate whites and blame them for black inadequacies.

Perhaps Jews became so self-propelled because, if a Jewish boy didn’t have a Jewish mother after him nagging him to become the best peddler or Talmudist in the village, he had a fire-breathing prophet huffing down his neck, shaming him into uprightness.

Update 3 (May 4): With reference to David Szasz’ interesting (and long) post hereunder, as I pointed out earlier this year, there’s another member of the unholy trinity who even better epitomizes the Manchurian Candidate. Think a former POW who was brainwashed by communists to betray–even kill–his own? Hmmm…

Updated: Loosening Lending Standards: The Real Scandal Of The Mortgage Crisis

Affirmative Action, Economy, Government, Hillary Clinton, Law, Multiculturalism, Private Property, Socialism, The State

THE REAL SCANDAL
By STAN LIEBOWITZ, New York Post

February 5, 2008 — PERHAPS the greatest scandal of the mortgage crisis is that it is a direct result of an intentional loosening of underwriting standards – done in the name of ending discrimination, despite warnings that it could lead to wide-scale defaults.

At the crisis’ core are loans that were made with virtually nonexistent underwriting standards -no verification of income or assets; little consideration of the applicant’s ability to make payments; no down payment.

Most people instinctively understand that such loans are likely to be unsound. But how did the heavily-regulated banking industry end up able to engage in such foolishness?

From the current hand-wringing, you’d think that the banks came up with the idea of looser underwriting standards on their own, with regulators just asleep on the job. In fact, it was the regulators who relaxed these standards – at the behest of community groups and “progressive” political forces.

In the 1980s, groups such as the activists at ACORN began pushing charges of “redlining” – claims that banks discriminated against minorities in mortgage lending. In 1989, sympathetic members of Congress got the Home Mortgage Disclosure Act amended to force banks to collect racial data on mortgage applicants; this allowed various studies to be ginned up that seemed to validate the original accusation.

In fact, minority mortgage applications were rejected more frequently than other applications – but the overwhelming reason wasn’t racial discrimination, but simply that minorities tend to have weaker finances.

Yet a “landmark” 1992 study from the Boston Fed concluded that mortgage-lending discrimination was systemic.

That study was tremendously flawed – a colleague and I later showed that the data it had used contained thousands of egregious typos, such as loans with negative interest rates. Our study found no evidence of discrimination.

Yet the political agenda triumphed – with the president of the Boston Fed saying no new studies were needed, and the US comptroller of the currency seconding the motion.

No sooner had the ink dried on its discrimination study than the Boston Fed, clearly speaking for the entire Fed, produced a manual for mortgage lenders stating that: “discrimination may be observed when a lender’s underwriting policies contain arbitrary or outdated criteria that effectively disqualify many urban or lower-income minority applicants.”

Some of these “outdated” criteria included the size of the mortgage payment relative to income, credit history, savings history and income verification. Instead, the Boston Fed ruled that participation in a credit-counseling program should be taken as evidence of an applicant’s ability to manage debt.

Sound crazy? You bet. Those “outdated” standards existed to limit defaults. But bank regulators required the loosened underwriting standards, with approval by politicians and the chattering class. A 1995 strengthening of the Community Reinvestment Act required banks to find ways to provide mortgages to their poorer communities. It also let community activists intervene at yearly bank reviews, shaking the banks down for large pots of money.

Banks that got poor reviews were punished; some saw their merger plans frustrated; others faced direct legal challenges by the Justice Department.

Flexible lending programs expanded even though they had higher default rates than loans with traditional standards. On the Web, you can still find CRA loans available via ACORN with “100 percent financing . . . no credit scores . . . undocumented income . . . even if you don’t report it on your tax returns.” Credit counseling is required, of course.

Ironically, an enthusiastic Fannie Mae Foundation report singled out one paragon of nondiscriminatory lending, which worked with community activists and followed “the most flexible underwriting criteria permitted.” That lender’s $1 billion commitment to low-income loans in 1992 had grown to $80 billion by 1999 and $600 billion by early 2003.

Who was that virtuous lender? Why – Countrywide, the nation’s largest mortgage lender, recently in the headlines as it hurtled toward bankruptcy.

In an earlier newspaper story extolling the virtues of relaxed underwriting standards, Countrywide’s chief executive bragged that, to approve minority applications that would otherwise be rejected “lenders have had to stretch the rules a bit.” He’s not bragging now.

For years, rising house prices hid the default problems since quick refinances were possible. But now that house prices have stopped rising, we can clearly see the damage caused by relaxed lending standards.

This damage was quite predictable: “After the warm and fuzzy glow of ‘flexible underwriting standards’ has worn off, we may discover that they are nothing more than standards that lead to bad loans . . . these policies will have done a disservice to their putative beneficiaries if . . . they are dispossessed from their homes.” I wrote that, with Ted Day, in a 1998 academic article.

Sadly, we were spitting into the wind.

These days, everyone claims to favor strong lending standards. What about all those self-righteous newspapers, politicians and regulators who were intent on loosening lending standards?

As you might expect, they are now self-righteously blaming those, such as Countrywide, who did what they were told

Stan Liebowitz is the Ashbel Smith professor of Economics in the Business School at the University of Texas at Dallas

Related: Hillary, as I’ve noted, will help “Level The Lending Industry.” Barrack, no doubt, will be behind her all the way.

Updated: Here’s the Liebowitz-Day study, “Mortgage lending to Minorities: Where’s the Bias?” The idea that all groups must own homes, or be represented in the professions proportionate to their numbers in the general population, is a political construct. Science usually has to be manipulated and massaged to support such politically driven constructs.

Notice too that the study is not new. It is, rather, kept under wraps by the familiar culprits who prefer to speak of—and act upon—corrupt concepts such as “endemic racism” and the need to step in and correct so-called systemic wrongs.