A New Cause of Action for Mortgage Holders??

Democrats in the Houses are considering a bill to allow home owners to sue mortgage lenders, those who originate the loans and those who repackage the loans and sell them to other lenders, for loans in which the borrower does not have a "reasonable ability to repay."  So we will solve the sub-prime crisis by unleashing an army of plaintiffs' lawyers on our banks.  This of course will substantially deter any lending to those in the bottom half of the income curve in our population and otherwise blow up the securitization market in mortgage loans (you cannot price a package of loans with an overhang of unknown litigation potential).  The Democrats are disabling those less well off from buying homes at market driven - competitive rates, to help them of course.