IndyMac Bancorp has halted all foreclosures on mortgages it owns after re-opening yesterday, following its federal seizure. The Federal Deposit Insurance Corporation’s chairwoman, Sheila Bair, has been outspoken in her call for banks to ease up on struggling homeowners. Bair said that IndyMac was now “really focused” on keeping borrowers in their homes for their sakes and to increase IndyMac’s value to taxpayers. Many banks are worried about their fate as more loans turn bad. Fewer banks are expected to foreclose than during the 1990-1992 crunch, when 834 banks went under, but it will still take years for lenders to recover.