Caveat Emptor, With Extra Emphasis on Caveat

Owners of beautiful restored homes in urban neighborhoods have their particular structural problems to worry about.

But it looks like owners of new infills have their own set of issues with builders and codes inspectors. It appears that the market itself is not sufficient enough to force builders to build quality homes. However, those you would expect to be protecting consumer interest, the Codes Department, don't seem to be enforcing codes.

If we cannot trust the entrepreneur and we cannot trust the regulator, whom in the sam hill can we trust? What's the latin terminology for "home buyer be afraid, be very afraid"?