Talk:2008 financial crisis

The user below has a request that an edit be made to 2008 financial crisis. That user has an actual or apparent conflict of interest. The requested edits backlog is very high. Please be extremely patient. There are currently 641 requests waiting for review. Please read the instructions for the parameters used by this template for accepting and declining them, and review the request below and make the edit if it is well sourced, neutral, and follows other Wikipedia guidelines and policies.

Apologies for any errors in this request, I'm new to Wikipedia editing! As a disclaimer, I work for the USC Gould School of Law and while the proposed edit is meritorious, there is an obvious conflict of interest as the author and I work at the same institution.

• What I think should be changed: The line "Securitization, a process in which many mortgages were bundled together and formed into new financial instruments called mortgage-backed securities, allowed for shifting of risk and lax underwriting standards" could be benefited by adding the citation below because the paper directly addresses why underwriting and securitization became relaxed. Namely, an increase in competition.

Likewise, under the "Causes" -> "Weak and fraudulent underwriting practices" section, adding a line such as "Competition between mortgage securitizers led deteriorating securitization and underwriting standards" using the same citation.

• Why it should be changed: This edit provides color as to why specifically securitization and underwriting began to decrease, using historical trends and contemporary evidence. Currently, the section only describes the mechanics of how underwriting deteriorated.

• References supporting the possible change (format using the "cite" button): ^[1]

~2026-33930-96 (talk) 19:59, 8 June 2026 (UTC)

As of now, the securization portion would NOT benefit from your citation, as it already has a citation. Instead, maybe add another line explaining why underwriting and securitizatin became relaxed. For example:

"Securitization, a process in which many mortgages were bundled together and formed into new financial instruments called mortgage-backed securities, allowed for shifting of risk and lax underwriting standards. Securitization standards were relaxed in the years directly preceding the financial crash due to _______.(Citation would go here)"

What do you think? - Otherwise (Antibacklog Aktion!) (talk?) 15:35, 30 July 2026 (UTC)