In December 2008, the U.S. FDIC reported that more than half of mortgages modified during the first half of 2008 were delinquent again, in many cases because payments were not reduced or mortgage debt was not forgiven.
2008年12月，據美國聯邦存款保險公司報告，在2008年上半年超過一半的抵押貸款修改再次被拖欠，許多案子是因為月付款未減少或抵押債務沒被減免。