you will agree that when we discovered these problems that we work very closely with you, with david montoya -- i want to recognize his team, and we are making steps specifically in me that i believe will lead to better management going forward. the contracts for the inspectors, the companies that have been the wing the inspections, have been rescinded. they have been brought back in house. and we have a very specific plan we are monitoring for correction of other quality-control is and things within the maine housing authority. but i think there are lessons -- what else can we learn more broadly for the work we are doing across the country? three things. we have to make better use of our existing resources, staff, and the partnerships with the ig to improve oversight. we have in our budget proposed shifting public housing staff into field offices to increase direct oversight. we have also made sure we were utilizing our enforcement center, which previously did not work as closely with the public housing authorities. just in 2011 -- and so far in 2012, we used the enforcement center to revie

first of all let me just complement david montoya, our inspector general, and his team for the remarkable work to remarkable work to lead to both the servicing settlement and these additional settlements. they have partnered very, very closely with us and doj to allow us to make those recoveries, not just in the servicing settlement but from ebay, citibank and flagstar. those are very important steps and i just want to compliment him and his team. the additional steps that we get a, there are a number of them that require legislative change. i'm happy say we're working with your colleagues on the authorizing side, as well as members of the house, the authorizing committee. there is a bill in the house that includes a number of the steps that would allow us to step up our enforcement. those build on the recent regulation on identification that we put out which will allow us to further hold offenders accountable for those prior loans that didn't meet fha standards. >> we all think fha's current role in the market is unsustainable. if there's no, he doesn't think carefully. but its tournamen

let me just complement david montoya, our inspector general, and his team for their remarkable work.y partnered very closely with us and doj to allow us to make those recoveries, not just in servicing settlements, but with the ave and black star. i want to compliment him and his team. the additional steps we could take it -- there are a number of them that require legislative change. i am happy to say we are working closely with your colleagues. there is a bill and in the house that includes a number of the steps that would allow us to step up our enforcement. those bills are the recent regulation on indemnification we put out that will allow us to further told lenders accountable for those prior loans that did not meet faa standards. >> we all think the fha -- it still remains difficult for qualified americans to get a mortgage today. the market recovery is still very fragile did -- it could have some serious consequences, not only for our overall economy. i wanted to ask you how you balance the continued need for an fha to provide access to credit and making room for private capita

you'll agree that when you discovered these problems that we worked very closely with you, with david montoya and i want to really recognize him and his team. we are taking steps specifically a named but i think will lead to better management going forward. the contracts with the effect tears, companies doing the inspections had been rescinded or those are brought back in-house to improve the inspections there and we have a various civic plan for correction though there could troll with an the housing authority of lessons can we learn more broadly for the work we are doing across the country? were really three things there. one is we have to make better use of our existing resources, staff and our partnerships with the ig to improve oversight. we have in our budget proposes shifting, public housing staff into field offices and direct oversight. we also made sure that we are previously didn't use work as close as public housing authorities. just in 2011 and so far in 2012 we have used 140 public agencies across the country and so that is a better use of existing resources. the second we have t

hope you will agree that when we discover these problems that we work very closely with you, with david montoya and i want to really recognize him and his team, and we are taking steps specifically in maine that i think will lead to better management going forward. the contracts with the inspectors, the companies that were doing the inspections have been brought back in-house to improve the inspections there and we have a very specific plan that we are monitoring for corrections of other quality control within the main housing authority to make sure things are better. you rightly.it, what lessons can we learn more broadly from the work we are doing across the country? there are really three things there. one is we have to make better use of our existing resources, staff and our partnerships with the ig to improve oversight. we have in our budget or posed shifting public housing staff into field offices to increase direct oversight. we also make sure we are utilizing our enforcement center which previously didn't work as closely with public housing authorities. just in 2011 and so far in 2012 we