Six major lenders, worried about the deepening mortgage crisis, said Tuesday they would grant a 30-day freeze on many foreclosures in order to consider delinquent borrowers’ pleas for lower monthly payments. Who is missing from the list? HSBC, of course. HSBC is a major lender with heavy losses from subprime. HSBC is also one of the largest banks in the world. Which banks did unite to help Americans? They are Bank of America, Citigroup, JPMorgan Chase, Wells Fargo, Washington Mutual and Countrywide Financial.