WASHINGTON - DECEMBER 06: Gigi Hyland, board member of the National Credit Union Administration, testifies before the House Financial Services Committee December 6, 2007 in Washington, DC. The committee held the hearing about accelerating loan modifications, improving foreclosure prevention and enhancing enforcement in an effort to stem damage from the sub-prime mortgage crisis. Getty Images logo Getty Images 23 months ago

WASHINGTON - DECEMBER 06: Gigi Hyland, board member of the National Credit Union Administration, testifies before the House Financial Services Committee December 6, 2007 in Washington, DC. The committee held the hearing about accelerating loan modifications, improving foreclosure prevention and enhancing enforcement in an effort to stem damage from the sub-prime mortgage crisis.

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