Probably a year ago I posted about this only I referenced a book called "The Great American Bank Robbery". Got beat up over it mainly over the title of the book. None of the people posting in the thread read the book but discarded it because of the title. It goes into great detail about the items in your post but goes even further how it all was enforced. How bank branches, bank CEO's were coerced by HUD, Janet Reno and "community organizers" who threatened with charges of racism and so on. It was so frustrating to read I only read the first 2/3 of it I had to put it down so my blood pressure didn't go through the roof.