As Governor, I will institute a Homeowners Bill of Rights (that will) . . . require banks to prove that the value of foreclosure outweighs the value of modifying the home before denying homeowners the opportunity to modify their loan . . . require all lenders to make a filing of all foreclosure notices with the state within three days . . . (maintain) a registry of all lenders who have had complaints lodged against them . . . (ban) all mortgage originators who have been found to engaged in dishonest and fraudulent practices . . . (require) background checks on all mortgage originators . . . (enact) stiffer penalties for lenders that make procedural omissions and errors, produce fraudulent documents, or otherwise act in bad faith during the foreclosures process.