Turmoil in U.S. credit markets : examining proposals to mitigate foreclosures and restore liquidity to the mortgage markets : hearing before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Tenth Congress, second session, on the Hope for Homeowners Act and other proposals to address the ongoing turmoil in the credit and mortgage markets with focus on the implementation of various proposals to address the foreclosure crisis, Wednesday, April 16, 2008.