The recent foreclosure numbers again confirm that widespread, abusive lending practices continue to cost people their homes. Last year we predicted that one out of every five subprime loans made in 2005 and the first three quarters of 2006 would fail and end up with a family losing its home. It’s turned out the situation  may  even  be  worse than we predicted. The vast majority of suprime loans have had built-in payment shocks of over 30 percent. These unaffordable loans have wrecked enormous damage on homeowners and the economy, and it’s long past time that policy makers curb these abusive practices so people can keep their houses and build wealth in their communities.