On October 18, Enterprise released an updated version of its National Mortgage Settlement report – States Fall Short on Help for Housing. In this new report, researchers Andrew Jakabovics and William McHale found that less than half of the $2.5 billion directly allocated to states has gone towards the housing uses identified in the settlement documents. The analysis identified twenty-three that used substantially all of their funds towards housing uses identified in the settlement filing. However, many of the states with the largest share of direct settlement dollars, a function of the density of foreclosure victims, have directed either their settlement share to state general funds or left the final use undetermined. Among the states that did allocate their share of funds to housing related uses, most set aside funds for homeowner legal assistance and housing counseling programs.