the nationalssociation of homebuilders said today s confidence indexnched up slightly from june to ly. that's due ipart to low interest rates and inctives boting sales of new single family homes. july's reang of "17" is the highest since last septeer. but it's sti well below "50," which showmarket conditions as favorable for sales. >> pl: meanwhile, home foreclosures are still hting cord levels, despite the adminstration'$75 billion plan to help homeowners at sk. er the last six months, one 84 households got a foreosure- relatenotice, a 15% rise from last year. that's according to reclosure listing service real-trac. >> susie: with t failure of small business lender c.i.t. group on the hozon, ny people are wondering why lks for additional federal help faid. tonight's "two wayto play" has two takes onhether c.i.t. is too small to save. here's kevin dew of "minyanville" and "minyanville'skevin depew. >> c.t. group, one of the natis largest commercial lenders,s on the bri of failure after being able to secure additionagovernment backing. the obvious question is why isn'c.i.t., with more

of the credit uon nationalssociation. >> susie: itissed the credit isis, and the bernard madoff ponzi scheme. some say more money wod solve the probm; others say the agency just needs to think smarter. but as darn gersh reports, airman mary schapiro says th s.e.c. is improving the wait does business. >> reporr: to many members of congress, the securities and exchge commission is almost a troubled teenage after each bad rort card, it offers a long list of cuses. day, congressman scott garre askes.e.c. chairman mary schapiro why investors suld believe is time will be different. >> it ems like the s.e.c. is always cominin after the fact to the table, alys a different chairm, saying, "we realized our errors and now we' going tory to correct them." reporter: in response, schapiro offered long list of coections. the s.e.c. is focusing enforcement on what it cls "high impact cas" that could hurthe most investors; it's increasintraining for emplees; and hiring more expericed market ofessionals; and tightening controls on investnt advisers. but schapiro cautied there will always be criminalsik