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There does need to be more transparency, however, that doesn't help the banks and Wall St. so we won't see it. The logic makes 0 sense in some instances like the example you gave, just flat out foolish. There's also other underlying causes that won't be mentioned in this thread.
Black communities will never recover because there aren't enough of us to be able to afford homes due to various reasons. And even if many of us did, there's still the fact that we don't own the banks. People keep forcing us into segregated neighborhoods but then say we're trying to self-segregate.
Historically any time Blacks try to move into the "good neighborhoods" the white residents get the hell on. We have to stop trying to act like their rules apply to us and call the system out for what it is. We keep trying to act like this American Dream fallacy was meant for Blacks when it wasn't. Black have never had a "Good Ol Days" in America.