On November 16th, the Congressional Oversight Panel for the Troubled Asset Relief Program released its report, "Examining the Consequences of Mortgage Irregularities for Financial Stability and Foreclosure Mitigation". The report considers the possibility that irregularities in the foreclosure process may conceal deeper problems in the mortgage market that could potentially threaten financial stability and undermine foreclosure prevention efforts. The report notes the Treasury Department does not currently believe the foreclosure problems pose any danger to the financial system. It calls upon the Treasury Department to explain the basis for that conclusion and further asks banking regulators to conduct new stress tests to measure banks' ability to deal with a potential crisis. Executive Summary.