A few years ago, the economy collapsed & we are still working our way out of the mess. One cause of the collapse was the subprime mortgage market--housing loans made to individuals who couldn't normally qualify for a regular mortgage. Observers said this was due to a regulatory failure--the banks weren't being properly supervised. Others state that the collapse was due in part, to laws encouraging lending to individuals in the subprime category. In light of what happened, should we be regulating financial institutions more heavily?