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The subprime problems are now creating massive issues on Wall Street, it's a serious problem affecting our housing market and millions of hard working families. So what are some of the things we need to do? We need to expand the role of the (Federal Housing Administration) to issue more mortgages at better rates to these homeowners. We need to give consumers more counseling and information, prevent families from being trapped in high interest loans with pre-payment penalties and in some cases, allow more breathing room from foreclosure.