Term Asset-Backed Securities Loan Facility (TALF), a federal program aimed at reviving the market for securities backed by consumer and small-business loans, is being hampered by a new law that makes it more difficult for investment firms to bring in foreign employees. Last month, legislators added provisions to the stimulus bill that prevent investment firms who get funds under rescue programs from replacing fired U.S. workers with foreign employees. There is growing concern that these hurdles will prevent companies from participating in TALF. The Fed is working with U.S. Citizenship and Immigration Services to provide guidance on the issue.