▁that ▁C aused ▁the ▁US ▁Fin an cial ▁Cris is : ▁What ▁are ▁the ▁Less ons ?" ▁Journal ▁of ▁Fin an cial ▁Econom ic ▁Policy ▁ 2 , ▁no . ▁ 2 ▁( 2 0 1 0 ): ▁ 1 6 3 - 1 8 6 . ▁ ▁Tem kin , ▁Kenneth , ▁Jenn ifer ▁E . ▁Johnson , ▁and ▁D iane ▁Le vy . ▁" Sub prime ▁Mark ets , ▁the ▁Ro le ▁of ▁G SE s , ▁and ▁R isk - B ased ▁Pr icing ." ▁P rep ared ▁for ▁the ▁U . S . ▁Department ▁of ▁H ous ing ▁and ▁Urban ▁Development ▁Office ▁of ▁Policy ▁Development ▁and ▁Research , ▁the ▁Urban ▁Institute , ▁Washington , ▁DC , ▁March ▁ 2 0 0 2 . ▁ ▁To e vs , ▁Ald en ▁L . ▁" A ▁Crit ique ▁of ▁the ▁C BO ’ s ▁ 2 0 0 1 ▁Study ▁on ▁‘ F eder al ▁Sub s id ies ▁and ▁the ▁H ous ing ▁G SE s .’ " ▁First ▁Manh attan ▁Cons ult ing ▁Group , ▁New ▁York , ▁NY , ▁May ▁ 2 2 , ▁ 2 0 0 1 . ▁▁ ▁To e vs , ▁Ald en ▁L . ▁" A ▁Crit ique ▁of ▁the ▁C BO ’ s ▁Sp ons or ship ▁Ben ef it ▁Analysis ." ▁First ▁Manh attan ▁Cons ult ing ▁Group , ▁New ▁York , ▁NY , ▁ 2 0 0 1 ▁ ▁United ▁States ▁Cong r essional ▁Bud get ▁Office . ▁Updated ▁Est