The foreclosure crisis has made one thing very clear: It is time to get back to basics by putting consumers first.

This is particularly true when it comes to strategies for repairing the housing finance system. Precipitated by loose lending practices and unregulated financial products, the foreclosure crisis has reemphasized the need for the federal government, in partnership with the private sector, to develop more practical, straightforward housing finance policies focused on better meeting the needs of consumers.

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