In this episode, David and the regulars discuss the far-reaching consequences of the government’s latest moves — including the permanent elimination of HUD’s Office of Housing Counseling and the dismantling of CDFI programs under the Treasury Department. With thousands of jobs cut and key community programs shuttered, the panel explores what this means for housing access, lender liability, and the growing role of private enterprise in areas once dominated by federal support. The conversation also touches on market reactions, long-term efficiency gains, and the ethical tension between fiscal responsibility and public service.