It would seem to me that those who were foreclosed as a result of lack of knowledge from an appeal should be allowed to appeal at this point or have their files reviewed prospectively.

Not the case. Not the case. I do not care what the State is telling you.

Let us publish the list. No personal information other than a name and address.

The list needs transparency. It is basic fundamental fairness to give people, first of all--and a sense of how the list came about, right?

And can I have your commitment to keep the Committee informed as to the results of that?

I do not control when votes take place here in the Senate--at least not yet.

The time to act is now. As I noted before, the next $1.4 billion for many people may be the last chance.

That is one universe which is clearly a problem.

Should have the file reviewed by the State retrospectively as it relates to what they had filed in making a determination under the guidelines that obviously produced an 80-percent default rate.

Do you believe that the appeal process was clear and easy for people to understand?

I also understand while you controlled the data for geography, your analysis does not necessarily control for every factor that would explain some other disparity, such as an individual's level of damage suffered by each applicant.

It is pretty amazing to me.

Is the State aware of your overarching list of recommendations? And have they indicated any willingness to address those concerns?

it does not absolve the State of oversight responsibility since the entity receiving the money from the Federal Government is the State of New Jersey, not HGI.

Well, that will be a challenge, although maybe one we will consider undertaking, but we are going to have to get it right for the money that exists before we can make the case for the next tranche of money beyond the $1.4 billion.

Can you talk a little bit about your efforts to gather information on this effort about how we minimize the gap in appeal rates between homeowners?

Even if there was no intent to discriminate, a disparate impact could still be cause for concern.

Have you shared your initial findings with HUD for their review?