For decades, Robert F. Kennedy Jr. has been making headlines for his conspiracy theories. His most recent theory has been about a “black hole” in the nation’s housing market. According to Kennedy, government and financial regulators have conspired to keep millions of troubled homeowners from getting the help they need to keep their homes. Kennedy explains that the “black hole” is made up of lenders, government officials, and financial partners who have created a system that is designed to benefit only them. Many of these players make money off of homeowners who can’t pay their mortgages and must go into foreclosure. Kennedy believes this eliminates any chance of troubled homeowners getting the help they need to stay in their homes. Kennedy’s theory has been met with skepticism and criticism from some experts who say his claims lack in evidence. They argue that the failure of the housing market is due to a combination of factors, including the subprime mortgage crisis and the re-bundling of these mortgages into securities for investors. In effect, these experts say, many homeowners were enticed into mortgages they could not afford. Despite the criticism, Kennedy continues to pursue his theory, arguing that greedy bankers and lenders have colluded with government regulators to create the system that benefits only them. He claims that it has been allowed to grow unchecked and without any moral consideration for homeowners. Of course, the theory has largely been met with skepticism and criticism, and there is not much evidence to support it. At the same time, the theory raises important questions about the state of the housing market and raises larger questions about government regulation and oversight. Whether the theory holds true or not may never be known, but it definitely has forced many to consider the implications that it raises.