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WASHINGTON, DC - Nov. 06: House Financial Services ranking member Spencer Bachus, R-Ala., and Chairman Barney Frank, D-Mass., during the markup of legislation aimed at tightening lending regulations. The measure would make far-reaching changes in national mortgage regulations in response to the crisis in the subprime mortgage market. (Photo by Scott J. Ferrell/Congressional Quarterly).

WASHINGTON, DC - Nov. 06: House Financial Services ranking member Spencer Bachus, R-Ala., and Chairman Barney Frank, D-Mass., during the markup of legislation aimed at tightening lending regulations. The measure would make far-reaching changes in national mortgage regulations in response to the crisis in the subprime mortgage market. (Photo by Scott J. Ferrell/Congressional Quarterly).

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