President Barack Obama is set to sign the financial-reform legislation into law and then the administration will shift its focus to overhauling the housing-finance market. The White House's efforts could diverge from a traditional emphasis on homeownership. "In previous eras, we haven't seen people question whether homeownership was the right decision. It was just assumed that's where you want to go," said Raphael Bostic of the Department of Housing and Urban Development. "You're not going to hear us say that."