Answer:
The Federal Reserve has to do with it.
Step-by-step explanation:
The Federal Reserve dictates the mood on interest rate at banks and those inflict "pain" or looseness in the act of providing or subjugating this interest playing the role of belt providing a too loose market pro-laws promoting housing or affecting their economic trends and momentum, depending on how the federal reserve's mood based on markets and stock market as results and conditions necessary to play a relevant role on such government politics.