Jay Richards brings a sharp analytical mind and a passion for justice to bear on the financial crisis and its aftermath. He shows how so-called policy reforms serve to entrench cronyism and stifle competition—and how this undermines the middle class and harms the poor and vulnerable.” —Arthur C. Brooks, President, American Enterprise Institute

“Big government statists have created a destructive myth that deregulation and greed caused the financial crisis. Richards demonstrates that altruistic government policies supported by crony socialists were the primary cause of the crisis. It is important to debunk the statist myth, because it has been the justification for extremely harmful public policies.” —John Allison, President and CEO, Cato Institute, and New York Times bestselling author of The Financial Crisis and the Free Market Cure

“Infiltrated strips the pretense of compassion from ‘community action’ and rips away the patina of idealism from housing ‘fairness’ hustles. . . . While naming the names and crimes of housing ‘charity’ scammers, Richards expounds an inspiring liberation philosophy of true economic compassion and win-win economic growth for all.” —George Gilder, author of Knowledge and Power

“Fearless and brilliant. Dr. Richards boldly addresses important consumer lending issues in a detailed and exhaustive manner. You may not like his conclusions, but to detractors I say ‘prove him wrong.’ The absolute best book of its kind.” —Harold A. Black, Ph.D., Smith Professor of Finance (Emeritus), University of Tennessee

“If you want to know why the popular wisdom about the causes and effects of the financial crisis is mostly wrong, and how such myths will help facilitate similar crises in the future, Jay Richards’ Infiltrated is an eye-opener.” —Samuel Gregg, author of Becoming Europe