Bank of America has reached an agreement in principle to pay more than $16bn in cash and consumer relief to US authorities to resolve allegations of misselling mortgage-backed securities, people familiar with the matter said.
知情人士表示，美国银行(Bank of America)原则上已同意支付逾160亿美元，就它受到的不当销售抵押贷款支持债券(MBS)的指控与当局达成和解。这些资金部分将以现金形式上缴美国当局，部分用于补偿受损客户。
The bank will pay around $9bn in cash and provide $7bn in consumer relief, such as modifying home loans and refinancing mortgages, as part of the deal, these people say.
If finalised, it will be the Department of Justice’s largest settlement with a single entity, exceeding the $13bn pact that JPMorgan Chase agreed last year.
So far this year banks have paid more than $50bn to resolve government investigations, exceeding the total collected in the whole of 2013.
The pact will involve several US agencies, including the Federal Deposit Insurance Corp, and state attorneys-general, people familiar with the matter said. Both sides were still hashing out the details of the consumer relief package and admissions the bank would make as part of the settlement agreement.
知情人士表示，美国银行的和解协议将牵涉多个政府机构和个人，其中包括美国联邦存款保险公司(Federal Deposit Insurance Corp)和州检察总长。目前，双方仍在就一些细节展开讨论——比如补偿客户的方案细节以及该行应承认内容的细节。
The tentative deal was struck last week following a phone call on Wednesday evening between Eric Holder, the US attorney-general, and Brian Moynihan, BofA’s chief executive, these people said. The DoJ demanded BofA pay at least $9bn in cash as part of the deal – an increase from the bank’s offer of $7bn.
知情人士称，美国司法部长埃里克•霍尔德(Eric Holder)和美国银行首席执行官布赖恩•莫伊尼汉(Brian Moynihan)上周三晚通过电话，之后美国银行同意了这一临时协议。作为协议的一部分，司法部要求美国银行支付至少90亿美元的现金——高于美国银行此前表示愿意拿出的70亿美元。
During the Wednesday night call, Mr Holder relayed that the US attorney’s office in New Jersey had a lawsuit ready to file against the bank should a deal not be reached, a person close to the matter said.
在该协议达成之前，为了结联邦住房金融局(Federal Housing Finance Agency)的类似诉讼，美国银行曾支付95亿美元。上周，一位美国法官还曾令该行再向美国当局支付13亿美元。