The U.S. mortgage industry must do more to establish trust with consumers and take stronger steps to participate in government programs to help struggling borrowers, the head of the Federal Housing Administration said on Tuesday. The industry faces "an enormous trust deficit," FHA Commissioner David Stevens said, after the discovery of errors and possible fraud in foreclosure practices by mortgage servicing companies have put a spotlight on the industry's shortcomings. "There's a reflection in the media and a reflection in the industry that we aren't being held accountable enough," Stevens said at a meeting of the Mortgage Bankers Association.