A lot of really bad policy gets enacted because advocates don't honestly ask themselves, "What are the foreseeable consequences of the policy I'm advocating?" That is, a failure to ask the question "And then what?" results in a lot of unnecessary misery.
Your comment essentially restates the HUD's complaint. It doesn't engage with my discussion of the fundamental incompatibility of the HUD's regulatory regime and ad targeting in general. Nobody was ever convinced of anything by someone typing "FYI: [restatement of original premise]".