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Bair Hon Sheila C Chairman Federal Deposit Insurance Corporation
Montgomery Hon Brian D Assistant Secretary for HousingFederal Housing
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adverse selection Alt-A amount appraised assets Bachus Bair banks Bear Stearns bill billion Blinder borrower's Chairman Frank Committee Congress costs crisis current mortgage debt debt-to-income ratio declines default delinquent discussion draft distressed borrowers Dugan economy FDIC Federal Housing Administration Federal Reserve FHA loan FHA-insured FHA's FHASecure financial institutions foreclosed foreclosure prevention funds home prices homeowners Homeownership Retention HOPE NOW Alliance housing market housing prices incentives interest rates investors issues legislation lenders lending loan holder loan modifications losses Montgomery moral hazard mortgage holder mortgage insurance mortgage loans mortgage market negative equity Okay original loan payments percent potential premiums principal problems proposal question rate resets real estate recent reduce refinance refinancing regulators restructuring risk risk-based pricing second mortgage securitization Stabilization and Homeownership subprime lending subprime mortgages taxpayer Thank thrift underwriting standards Wesbury write-down