WASHINGTON - DECEMBER 06: Randall Kroszner of the Federal Reserve System Board of Governors 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 51 months ago

WASHINGTON - DECEMBER 06: Randall Kroszner of the Federal Reserve System Board of Governors 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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