FILE - In this Sept. 7, 2008 file photo, Federal Housing Finance Agency Director James Lockhart, left, concludes his remarks as Treasury Secretary Henry Paulson, Jr. , right, takes his turn at the microphone during a news conference in Washington on the bailout of mortgage giants Fannie Mae and Freddie Mac. A year after the collapse of the mortgage companies Fannie Mae and Freddie Mac, Americans remain almost entirely dependent on the government to keep them and the housing market alive. AP Photo logo AP Photo 29 months ago

FILE - In this Sept. 7, 2008 file photo, Federal Housing Finance Agency Director James Lockhart, left, concludes his remarks as Treasury Secretary Henry Paulson, Jr. , right, takes his turn at the microphone during a news conference in Washington on the bailout of mortgage giants Fannie Mae and Freddie Mac. A year after the collapse of the mortgage companies Fannie Mae and Freddie Mac, Americans remain almost entirely dependent on the government to keep them and the housing market alive.

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