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United States. Office of the Special Inspector General for the Troubled Asset Relief Program. "Net Present Value Test's Impact on the Home Affordable Modification Program, SIGTARP-12-003" in Audits and Other Reports from the Office of the Special Inspector General for the Troubled Asset Relief Program (SIGTARP) (June 18, 2012). https://fraser.stlouisfed.org/title/4965/item/718059, accessed on January 24, 2026.