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Three bank-owned houses are pictured in North Las Vegas on November 13, 2011. The a housing project by North Las Vegas Housing Authority stared in 2004 but the entire subdivision, which includes about a dozen finished houses that were never lived in, has since fallen into foreclosure and is now owned by the FDIC. US officials have launched an independent review process in which individuals can challenge foreclosures carried out by 14 major lenders in the wake of the 2008 financial crisis. Independent consultants would assess if borrowers lost out financially "through errors, misrepresentations or other deficiencies in foreclosure practices," the Office of the Comptroller of the Currency said. AFP Photo/Jewel Samad (Photo credit should read JEWEL SAMAD/AFP/Getty Images) — Jewel Samad / Getty Images

David Frum

02.28.1212:15 PM ET

Housing Bubble Still Deflating

According to the Financial Times this morning, housing prices are down another 4%.

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