2012-08-29 — nytimes.com
``The number of foreclosures has declined as banks responded to tightened oversight in some jurisdictions. After the national settlement over foreclosure abuse, housing counselors report that banks are taking more aggressive measures to keep homeowners in their homes.
But economists warned of potential dangers that could still hold home buyers back. Consumer confidence unexpectedly dropped in August, the Conference Board reported Tuesday, largely because of diminished expectations for the future. The November election and the "fiscal cliff" of expiring tax breaks and looming spending cuts at the end of the year may also be muting home sales. ''
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