approaching retirement, and sells unexpectedly out of jobs prematurely and facing mortgage pirg -- portage payments they could no longer afford. while this strategy has helped some, it has also caused stress to the program. the combination of upfront lump sum draws and diminished income from job loss left some borrowers challenged. diminishedd with home values, the program has experienced new stresses previously unforeseen as a result of this confluence of factors. consumerddress protections -- the program has several important consumer protections in its design. every borrower must go through a counseling session prior to submitting an application to a lender. the program also has several consumer protections including disclosures and limits on fees. that being said, three changes that hud would like to implement would not only protect the fund but also provide another level of consumers.or these provisions might preclude some applicants from obtaining the loans. however, these changes are designed to eliminate prospective borrowers who are less likely to have a successful experience. ben