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Ethics and the Subprime Mortgage Meltdown Essay Preview: Ethics and the Subprime Mortgage Meltdown Report this essay Ethics and The Subprime Mortgage Meltdown The article “Justice Department Investigating Moody’s for Pre-Crisis Ratings” covers some of the issues surrounding Moody’s and the bond that this agency backed. In the mid-2000s, Moody’s, the leading credit rating agency.