It changed because the anti-stagflation CRA and the Clinton-era housing stimulus collapsed global credit markets?
Oh God, you're one of those "poor people crashed the economy" conservatives. Now I know you're truly a troll.
He ate up Rick Santelli's vein-throbbing histrionics about how none of it would have happened if those lazy, greedy lower-middle class slobs hadn't insisted on buying the tract house with the guest bathroom.
Well, there clearly were a lot of people who got mortgages they couldn't afford and shouldn't have gotten in the first place. Why that happened is debatable, but it's hardly "anti-poor" to suggest that affordable housing regulations which forcibly reduced lending standards might have had something to with it (FTR, I don't think they were the main cause, but IMO they were still a factor).