“The Congressional Oversight Panel’s November oversight report, Examining the Consequences of Mortgage Irregularities for Financial Stability and Foreclosure Mitigation, reviews allegations that companies servicing $6.4 trillion in American mortgages may in some cases have bypassed legally required steps to foreclose on a home. The implications of these irregularities remain unclear, but it is possible that “robo-signing” may have concealed deeper problems in the mortgage market that could potentially threaten financial stability and undermine foreclosure prevention efforts.”