Deregulation of the Mortgage Industry in 1999 Helped Produce the Housing

Deregulation of the mortgage industry in 1999 helped produce the housing crisis of 2007 and 2008 by

A) driving housing prices down by preventing too many qualified people from obtaining the mortgages needed to purchase homes.
B) allowing many new mortgage companies to form, offering "predatory" loans that people could not afford to repay.
C) making foreclosures almost impossible under the law and allowing many people to stop paying their mortgages with no monetary penalties.
D) eliminating most mortgage companies and forcing potential homeowners to pay cash for their homes.