To move the country out of this economic crisis, Congress and the next administration must place significant emphasis on restoring confidence in the housing market.  The housing sector is at the core of the current economic crisis. A renewed, revitalized and robust housing market is essential to generating commerce and helping families build wealth.  To this end, Chairman Barney Frank, D-Mass., on H.R. 384, introduced the TARP Reform and Accountability Act, last week.  The principle focus of the plan is to ensure that the Troubled Asset Relief Program does what it was originally intended to do - end the credit crisis and jumpstart mortgage lending. It is imperative to get TARP back on track by targeting funds for mortgage relief, which will help lower mortgage rates and reduce foreclosures.  Low interest rates are only effective if people can get a loan. Every day even some home buyers with good credit are having trouble getting mortgage loans. We must unclog the housing and financial system; Congress needs to use current TARP dollars to help identify and fix operational issues that are preventing consumers from getting or modifying home loans. These are critical steps that must be undertaken quickly if we are to right our nation�s housing and financial markets.