This is where bags of "top soil" come from (for the most part). Developers strip the soil before people are aware there will be homes built in certain areas. If a person is having one home built on a lot, that customer can indeed have it in a contract NOT to strip the top soil.
However, regardless, this is customary with builders today. Fortunately, our home is in a development with only 31 other houses and nobody has less than half acre, up to 5 acres. The top soil was still here, but they filled over it with that dead crap they sell as "sandy loam." What it actually is, is dead stuff. Hard to grow much in.