A coalition of civil rights and consumer groups has called for a nationwide freeze on home repossessions by banks. Lawmakers are also cracking down. Rep. Edolphus Towns, D-N.Y., urged lenders to voluntarily halt foreclosures until internal investigations can be completed. Meanwhile, the banking industry is warning that a foreclosure freeze could delay the housing market's recovery. "We have concerns with broad-based moratoriums," said Scott Talbott, senior vice president for government affairs at The Financial Services Roundtable. "Foreclosures should be processed in a timely manner. Delays hinder the community, the housing market, and the economy."