During the last three years, the government has been very involved in regulation of our financial institutions. It has really been a factor in the U.S. slowed economy. This situation all started by the U.S. government under regulated, the financial institutions back in the late 1990’s. The goal of the U.S. administration at that time wanted to create more home mortgages through the financial institutions, Freddie Mac and Fannie Mae. During the time from 1997 to 2008 Freddie Mac and Fannie Mae created loans to consumers that were under regulated. What this means, is that unqualified and unsecured loans were approved to hundreds of thousands of people. The types of loans that were created were interest only and three-year rate change. Consumers had low payments initially and over time the monthly payments increased. The homeowner cannot afford the increased rate and eventually was forced into foreclosure and bankruptcy. All of this was a huge factor of the start to the housing bubble and financial crisis in 2008. Deregulation started this mess, Freddie Mac and Fannie Mae created more under qualified loans that really triggered the world financial crisis. Since 2008, the U.S. government has changed the regulations to the extreme of slowing the bank financing into the U.S. economy. In conclusion, Freddie Mac and Fannie Mae received a government bail out in 2008 and 2009 for their idiotic mistakes during the years 1997 to 2008. There is no way that any executives from these institutions should receive any type of bonus until all the money has been paid back to the U.S. government.