The FTC, HUD and the SEC have known for years that D R Horton was operating RICO activities including appraisal fraud, predatory lending, RESPA, TILA and bait and switch tactics.  These federal regulatory agencies were created to regulate this crime.  These agencies received dozens of certified notices, many of which including direct consumer contacts so that they could investigate and stop future fraud.  As they have moved ever so slowly, I continue to find dozens of additional victims and millions in consumer fraud.  At best, these law enforcement agencies have their hands in their pockets or have their heads in the sand.  At worst, they are part of the fraud.

Another example of HUD's sterling performance at http://ap.google.com/article/ALeqM5jSIc6-ALiTf2hbcJu0uvOnDh4BsQD8VI2AVO9  Two US Senators in March 2008 have demanded that HUD's Secretary resign due to cronyism, mismanagement and general ineffectiveness.

Beazer, Ryland and KB have been caught by local FBI offices with their hands in the predatory lending cookie jar as late as February 2008.  Search on your browser or click these links: 
http://www.msnbc.msn.com/id/17831362/
http://www.charlotte.com/business/story/522457.html
http://www.hobb.org/content/view/366/201/
I have provided the FTC, HUD and the SEC with 50 actual consumer contacts from 8 states regarding the identical predatory lending.  I have listed hundreds of consumer testimonials stretching from 2001-2008 from nearly every state that Horton does business.  It just doesn't get any easier unless I go to Washington, hold their hands and drag them behind me.  Please see the latest of the certified letters: