The error in your statement is the assertion that control was removed in the early part of this decade.That's your opinion. Others insist that the OCC's actions in 2003 were a major contributor to the sub-prime crisis- including most State Governors AFAICS.
"... They ne'er cared for us
yet: suffer us to famish, and their store-houses
crammed with grain; make edicts for usury, to
support usurers; repeal daily any wholesome act
established against the rich, and provide more
piercing statutes daily, to chain up and restrain
the poor. If the wars eat us not up, they will; and
there's all the love they bear us."
-- Shakespeare: Coriolanus, Act 1, scene 1
