Un hombre contra la maquinaria

WASHINGTON, DC ­– El sector financiero de los Estados Unidos ha mostrado una fuerza renovada en los meses recientes –hablo de fuerza política—al debilitar la mayoría de las propuestas sensatas de reforma de la banca que aún quedan sobre la mesa. El que todavía haya algún progreso se debe a los generosos esfuerzos de un grupo reducido de senadores estadounidenses.

La labor más notable ha sido la del senador Ted Kaufman, demócrata de Delaware (sí, un Estado que favorece a las empresas), quien ha presionado incansablemente para arreglar el mayor problema del sector financiero estadounidense. Kaufman comprende que una reforma exitosa requiere tres ingredientes: argumentos para convencer, la capacidad de reclutar colegas y una buena dosis de suerte que se manifieste en la forma de acontecimientos que resalten los problemas en el momento preciso. En dos de los frentes, Kaufman ha logrado –contra las probabilidades—dar pasos sustanciales.

Mucho antes de que se pusiera de moda, Kaufman insistía en la idea de que el auge de los bienes inmobiliarios en los Estados Unidos estaba alimentado en parte por fraudes generalizados en el conjunto hipotecas-titularización-derivados que en efecto forma el corazón de Wall Street. Esta tesis está cobrando un impulso mucho mayor. Los diarios principales informan de la ampliación de una investigación penal por el gobierno federal—y por el fiscal del Estado de Nueva York—de los créditos hipotecarios y otras prácticas de titulización relacionadas.

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