HUD is trying very hard to pass rules which protect the consumer in a real estate transaction. They are pushing against the machine, the real estate and mortgage and title insurance establishments. The political pressure is tough because these guys give lots and lots of money to politicians.
Politicians don't know much about this business. They listen to their contributors and champion their causes.
Who speaks for the consumer here? Well, HUD is being brave. They are standing up and fighting and I applaud their valiant effort.