It is difficult to be precise about the number of foreclosure initiations expected in coming quarters, as it will depend on (among other factors) the evolution of house prices, which will vary widely across localities.

NPR: Transcript: Bernanke on Mortgages, Foreclosures

The policy changes are less a function of an internal evolution and more likely motivated by external factors.

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The evolution of these approaches is driven and, in turn, is impacted by several factors.

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