The use of deceptive web design by digital platforms to guide consumers in the homebuying process is causing significant financial losses. A study by the Federal Reserve Bank of Philadelphia found a gap of 54 basis points between the best and worst mortgage rates for identical loans, which is equivalent to $6,500 in upfront costs. The exploitation of consumers through manipulative interface design, what regulators call "dark patterns," has already resulted in billions in penalties. A recent experiment by Zillow showed 99.7% of consumers could not correctly identify who would contact them from their standard interface, which led to an increase in consumer understanding. The FTC has shown it will hold companies accountable for deceptive design, but this could extend to the threshold of homeownership.