1 “... by passing reforms that reduced the average time to foreclosure from five years to two, by facilitating...”

2 “..., the foreclosure moratorium continues to prevent banks from cleaning balance sheets...”

3 “... foreclosures and to activate the underdeveloped rental market. In the medium term, housing market cyclicality...”

4 “... on mortgage foreclosures sends a highly negative signal about the protection of creditor rights. Continuation...”