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Correspondence with Treasury Update
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agency Alt-A amortization amount assets bankruptcy banks borrowers capital closure CLTV conﬁdence Congressional Oversight Panel days delinquent debt ratio default economic Fannie Mae FDIC Federal Reserve ﬁelds ﬁlings ﬁnancial institutions Financial Stability Plan ﬁnancing ﬁrst ﬁve fore foreclosure crisis foreclosure mitigation program Freddie Mac funds gages GSEs homeowners homeownership incentive income initial interest rate interest rate reduction investors Jeb Hensarling junior mortgages lenders lending lndyMac Federal loan modiﬁcations Mae and Freddie million Modification modiﬁcation program modiﬁcations reported modiﬁed loans monthly payment moral hazard mort Mortgage Bankers Association mortgage loan mortgage market mortgage payments mortgage servicers negative amortization negative equity OCC/OTS Ofﬁce origination percent portfolio principal question 28 redefault reduced reﬁnancing repayment plans reported in question residential response securitized signiﬁcant speciﬁc subprime supra note taxpayers TIMOTHY GEITHNER tion Treasury Department U.S. Census Bureau veriﬁed workouts