“This statement … outlines the necessity of adopting proactive, systematic and streamlined loan modifications designed to achieve sustainable and performing loans, and the need to conduct an analysis of whether a loan modification would present greater value before proceeding to foreclosure. Achieving wide scale modifications of distressed mortgages, particularly those held in private securitization trusts, will address our underlying economic problem: too many unaffordable home loans.” — FDIC Chairman Sheila Bair, commenting on the interagency policy statement encouraging banks to lend to creditworthy borrowers.