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Most Americans live paycheck to paycheck primarily because too much of their income is used to pay for housing. Americans would live like the wealthy people in Dubai if rent were treated as a necessity and not as a financial asset to make rich people richer.

Americans must elect a president and Congress that will pass laws to make housing a necessity with strict regulations. The United States is the wealthiest country in the world, and that wealth should be used to serve the people. The government should ensure the availability of apartments and single-family homes that can be rented for prices ranging from $200 to $800 per month. Americans should be able to buy homes ranging from $30,000 to $150,000. The following video clips provide information about housing:

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The U.S. government segregated the country based on race. Local, state and federal governments created laws and ordinances to segregate black people: #ad Evicted: Poverty and Profit in the American City.The Color of Law: A Forgotten History of How Our Government Segregated America.

About 11 million renters spent more than 50 percent of their incomes on housing in 2018. In the United States, a million evictions take place in a normal year. President Joe Biden said while signing an executive orders directed at ending housing discrimination, “Housing is a right in America, and homeownership is an essential tool to wealth creation and to be passed down to generations.”

Americans are paying too much for rent because landlords are using software to coordinate and fix prices. Rent should be cut by at least 60%, and the excess money paid should be returned to renters.

The U.S. Department of Justice (DOJ) and several state attorneys general have filed lawsuits against RealPage, a property management software company, and several major landlords who used its algorithmic pricing software.

The core of the lawsuits alleges that this practice constitutes an illegal price-fixing conspiracy.

Here's a summary of the claims:

Algorithmic Collusion: The lawsuits claim that RealPage's software, particularly its "YieldStar" product, serves as a hub for landlords to share non-public, competitively sensitive data on rents, occupancy rates, and lease terms. By inputting this data, landlords allegedly coordinate their pricing decisions, effectively eliminating competition.

Artificially Inflated Rents: The DOJ and states argue that the algorithm's primary goal is to maximize revenue for landlords, often recommending rent increases even in situations where low occupancy rates would normally lead to lower prices in a competitive market.

The "Hub-and-Spoke" Conspiracy: The legal theory behind the lawsuits is a "hub-and-spoke" conspiracy, where RealPage acts as the central hub, collecting information from and providing recommendations to the various landlords (the spokes). This alleged coordination, according to the lawsuits, allows the landlords to operate as a cartel.

The DOJ's lawsuit was initially filed in August 2024 and has since been amended to include several major landlords as defendants. Some landlords, such as Cortland Management and Greystar, have already reached proposed settlements with the DOJ. This legal action is considered a landmark case that could set a major precedent for how antitrust laws apply to the use of artificial intelligence and algorithms in business.

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