A home owner may be in negative equity but may have the income to service not only their current mortgage but possibly a new, larger one. Negative equity mortgages do pose consumer protection issues, as they may involve a home owner trading up to a larger home and taking on increased debt.
This requires us to evolve beyond who and what we are; to be innovative and adaptable to the dynamic environment within which we operate; to embrace change with a positive outlook because it presents opportunities for organizational growth and development; and most importantly, to safeguard our reputation and integrity as we continue to reinforce our role in nation building.