Which of the following was not a factor that contributed to the subprime mortgage crisis?

Question

Quizplus · Accepted Answer

FDIC insurance did not contribute to the subprime mortgage crisis. It was meant to provide security to depositors and prevent bank failures, but it did not directly affect the lending practices or behaviors of banks and mortgage lenders. The other factors listed, including lower down payments, high debt-to-income ratios, and lending to borrowers with poor credit, all contributed to the excessive risk-taking and unsustainable lending practices that led to the subprime mortgage crisis.

Which of the Following Was Not a Factor That Contributed