The spillover impacts of foreclosures have wiped out nearly $2 trillion in household wealth, and the housing downturn resulted in the largest documented wealth gap between white households and families of color, the Center for Responsible Lending says in a report released today.The report also maintains that homeownership remains one of the most accessible ways to build wealth, and that home equity has been critical to helping American familiesĀ to pay for retirement, education and health care.So while federal and state policies should address the "true causes of the crisis" -- abusive loan termsĀ and irresponsible underwriting practices -- it's important to maintain a stable supply of mortgage financing that ensures access to credit for qualified borrowers, the report concludes....