Seeing as how my father was one of those builders and our next door neighbor is a bank V.P. (a little bank called Citi - so she obviously would not know, LOL) and they sure were bragging about Government de-regulation and how wonderful it was (about 2003 to 2006) before both changed their tune and stated "get ready, the bottom is about to fall out".
So far you have provided NOTHING to back your position.
And once again you have proved you know nothing about the topic. I really could care less if your father was and is a builder. The last HUD project I had approve was 261 units.