Turmoil in the U.S. Credit Markets: Examining Recent Regulatory Responses : Hearing Before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Tenth Congress, Second Session, on the Steps the Regulators Have Taken to Implement the Hope for Homeowners Act, which Passed as Part of the Housing and Economic Recovery Act (HERA), and the Troubled Assets Relief Program (TARP), which was Authorized and Funded by the Emergency Economic Stabilization Act of 2008 (EESA), Both with Regards to Providing Capital and Liquidity to the Financial System and Preventing Foreclosures Through the Exercise of the Authorities Provided, Thursday, October 23, 2008