Can someone please point me to something that gives a concise yet factual account of how these housing acts "forced" lenders to give risky loans?  One thing I constantly hear about the housing crisis is that it was mainly caused by liberal government forcing the private sector to give out risky loans to minorities.  I'd like to know if the "forced" part is factual, misleading because the issue is more complex, or simply false.

I've scanned wikipedia on these but quickly got lost in details, and I'm not about to go read the actual legislation :)