Prologue Part I the subprime market takes off -- Emergence of the subprime market -- Rolling loan gathers no loss Part II Contagion -- Prelude to the storm -- Meltdown -- Aftermath Part III Regulatory failure -- Clinton Years -- OTS and OCC power grab -- Put to the test: OCC, OTS, and FDIC oversight -- Blind spot: Greenspan's federal reserve -- Wall street skirts regulation Part IV Solutions -- Consumer protection -- Containing contagion -- Epilogue.