Fix Lending Standards

One of the problems leading to the current economic disaster was lax standards by lenders. This happened because lenders were able to sell the loans on to uninformed investors. There is a simple fix to this: require lenders to keep a certain percentage of all loans they make. If lenders have to keep between 10 and 25 percent of all loans, it will keep them from knowingly making bad or risky loans with the intent of selling them on.