Bank of America CEO Brian Moynihan speaking at the Brookings Future of Homeownership Forum in Washington D.C.:

As we think about the future of the housing system, how does everything we have learned during the crisis and recovery apply? It underscores the need to shape a system that keeps borrowers out of the situation of owning a home and not being able to afford it. It means shifting the conversation from what percentage of Americans own homes to what is the right solution at the right time for each individual or family.

True enough. Just wish that sentiment had been more common in Washington and the banking industry for the past, oh, 15 years or so.