On 8 August, the House of Commons Treasury Committee published a report on mortgage arrears and access to mortgage finance. The Report makes several recommendations about lenders' policies, mortgage regulation, Government support for households in mortgage difficulties, and access to mortgage finance. The Committee notes that mortgage arrears and repossession levels are expected to continue to rise in the coming years. FSA should oversee mortgage lenders' policies to ensure that repossession is used only as a tool of last resort. While mainstream lenders are complying with FSA's mortgage conduct of business rules, there is evidence of lack of flexibility and moderation in how sub-prime, specialist and second charge lenders treat homeowners in arrears. On 8 August, FSA published a press release confirming that it will be publishing its proposals for mortgage regulation in autumn 2009 and it will respond to the Report soon