If there was ever a case of having the foxes guarding the henhouses, it is now. The first round of this weird practice came this fall when it became clear that the financial world was being rocked by all of the home loans made in the past several years to millions of people who should not have been loaned money for houses in the first place. This was done under the auspices of a law passed during the Carter administration, and promoted heavily during the Clinton administration - the Community Reinvestment Act of 1977.