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Green Zone hit years after Baghdad’s fall. Home mortgage delinquencies and foreclosures have been surging in recent months, especially for people who took out subprime mortgages higher priced loans for people with tarnished credit or low incomes who are considered greater risks. The Federal Reserve and the five other federal agencies that regulate banks, thrifts and credit unions, in a joint statement, encouraged the financial insitutions to extend flexible terms to struggling homeowners. Prudent workout arrangements that are consistent with safe and sound lending practices are generally in the long term best interest of both the financial institution and the borrower, the statement said. Institutions will not face regulatory penalties if they pursue reasonable workout arrangements with borrowers. Exhorted mortgage lenders to show flexibility toward borrowers to help staunch a flood of defaults among homeowners with subprime loans.

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