In July 2008, Congress approved the Housing and Economic Recovery Act (HERA) of 2008, which included $3.9 billion to create the Neighborhood Stabilization Program (NSP). The NSP Program is an initiative to assist states, counties, and cities with the absorption of distressed foreclosed housing units and prevent further neighborhood deterioration. On November 4, 2008, the City adopted an NSP Implementation Plan to describe the city's effort in addressing the foreclosure issue within the community.