Don't blame the subprime borrower

I loved this commentary on NPR, which again points out that the mortgage woes are due at least as much to predatory lending as they are to the people who have poor credit, but still aspire to own a home. And he puts his money where his mouth is, literally - he helps marginal people improve their credit in very concrete ways:

http://www.npr.org/templates/story/story.php?storyId=14495774

Expert: Subprime Borrowers Can Own Homes

Morning Edition, September 18, 2007 · John Hope Bryant, founder of Operation Hope, offers seminars on financial literacy in low-income communities in order to spur homeownership. Those who know little about mortgages and managing money were hurt most in the housing crisis. But Bryant bristles at the suggestion that subprime borrowers aren't up to the challenge of owning homes. He speaks with Renee Montagne.