of regulations on the subdivision of that land, and a legal way for that land to be sold to individuals. Land developers began purchasing low-value land in peri-urban areas where strict enforcement of housing and environmental laws was either weak or nonexistent. During this period the sale of rural lands without basic housing policies was lawful. Colonias were hidden from view due to physical isolation and properties were divided into small lots, which would be bought by low-income families via contracts for deed. These deals, which sold unimproved lots, included undocumented and thus unenforceable promises to provide basic provisions such as water, sewage, and electricity. Because these deals lacked a foreclosure period or buyer's protection, any property that was not paid in full could be repossessed and resold by the sellers, who retained title for the land and were allowed to keep all payments the buyer had made. As more dwellings appeared with minimal infrastructure, the value of the land decreased and ultimately became more affordable as a living option for low-income families on the border. Colonia communities grew rapidly in the 1990s when the number of residents almost doubled from 1990 to 1996. This can be subject to the effects of globalization and the passage of the North American Free Trade Agreement (NAFTA) in 1994, which industrialized the Mexico–United States border, created many jobs, and encouraged migration. People shifted from traditional agricultural labor to work in transportation, construction, and manufacturing. This led to an increased informality of U.S. housing, with colonias forming and growing because of the border's strategic location and trade liberalizations. However, due to the lack of financial mobility, colonia residents face significant challenges escaping the colonia bubble. In June 1996, the Texas Department of Housing and Community Affairs successfully obtained a waiver from the U.S. Department of Housing and Urban Development (HUD) to set new housing-standards for colonias. The resulting standards provided a basis for safe and sanitary housing to alleviate the existing health risks. These standards are necessary for economic development in colonias because unsafe infrastructures and lack of education and jobs inhibit their growth. As of 2007, Texas had the largest concentration of colonia residents in the U.S., with approximately 400,000 living in over 2,000 colonias. New Mexico had the second largest, followed by Arizona and California. However, as remote location and stealthy development characterize many colonias, exact counts are difficult and figures can