How did the deregulation of the mortgage industry in 1999 help produce the housing crisis of 2007 and 2008?a. It allowed many new mortgage companies to form, offering "predatory" loans that people could not afford to repay.b. It eliminated most mortgage companies and forced potential homeowners to pay cash for their homes.c. It drove housing prices down by preventing too many qualified people from obtaining the mortgages needed to purchase homes.d. It made foreclosures almost impossible under the law and allowed many people to stop paying their mortgages with no monetary penalties.

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