"The regulatory impulse behind these proposals entirely ignores the only change in the legal regime that has a chance of improving the situation of black and minority individuals hurt by the current rules. We urgently need liberalization of zoning and land use restrictions, which will increase the supply of housing and reduce rents for today’s underserved communities. Herein lies the true civil rights crisis."

Conclusion: "It is true that homeownership has been called "our national ideal," and for decades promoting owner occupancy has been an accepted way to encourage that goal.[535] But other important public concerns -- including housing affordability and accessibility -- are at risk when promoting owner occupancy discourages community rentals. The antiquated American Dream promoting homeownership and owner occupancy at all costs needs to evolve in recognition of competing societal goals that present more compelling dreams for America today."