Fannie Mae and Freddie Mac – two bloated and corrupt government-sponsored programs – contributed heavily to the crisis.In order to prevent another crisis, we need to do what we should have done years ago – reform Fannie Mae and Freddie Mac. We also need to repeal Dodd-Frank, the Democrats’ failed solution. Under Dodd-Frank, 10 banks too big to fail have become five banks too big to fail. Thousands of community banks have gone out of business.