美国银行同意支付160亿美元～170亿美元来平息其出售金融危机之前不良抵押贷款证券的调查
2014年8月06日 05:59
一位知情人士说,美国银行同意支付160亿美元～170亿美元来平息其出售金融危机之前不良抵押贷款证券的调查。
经过几个月的交涉,只用了短短24小时美国银行就突然和政府达成解决协议,这是美国历史上最大的联邦公司协议。
初步协议,美国银行将支付超过160亿美元,以了结在金融危机期间出售问题抵押贷款证券调查,知情人士说。
这笔协议在上周一次的争论引起的。消息人士表示如果双方不能在一些细节问题上达成一致意见的话协议仍有可能破裂。
7月30日,在数小时内银行提出的高额赔付又未能通过美国司法部门的要求,法官Jed Rakoff发布一个另一个关于美国银行(bank of America)的意想不到的裁决,进一步削弱了银行的谈判筹码。
华尔街和华盛顿长期视为眼中钉的美国曼哈顿地方法院拉科夫，下令处罚美国银行近13亿美元由于其销售17600个不良贷款。美国银行(Bank of America)在之前的审判曾败诉。
银行的律师和高管,对这个糟糕案子的决定似乎是对似乎对Rakoff对抗而不是解决问题，他们似乎认识到接下来的案件审理对他们来说不仅是徒劳,而且费用非常昂贵,据两位知情人士。
剩下的调查,相比涉及数十亿美元住房贷款所涉及到的证券,银行可能花费的比拉科夫处罚更多,甚至超过与美国司法部达成和解。（更多全球资讯请点击浏览）
银行受到法官的判决的同时,司法部长埃里克•霍尔德那里也没好消息。霍尔德早些时候拒绝了会见银行的首席执行官请求,决定打开沟通渠道。
知情人士说7月30日和首席执行官布赖恩•莫伊尼汉(Brian Moynihan)通话中，霍尔德表达了简短的要求:提高赔付金额，要么等着第二天被起诉。
周四上午7:50左右一位知情人士说,银行的律师打电话给他支付90亿美元的现金和超过70亿美元的所谓软金钱给消费者。赔付金额初步解决了问题,满足了司法部最初要求。它也远远超过了摩根大通和花旗集团解决类似案件的费用。
A person familiar with the matter says Bank of America has agreed to pay between $16 billion and $17 billion to settle an investigation into its sale of mortgage-backed securities before the financial crisis.
Published: 06 August 2014 05:59 PM
After months of lowball offers and heels dug in, it took only 24 hours for Bank of America to suddenly cave in to the government, agreeing to the largest federal settlement in the history of corporate America. （更多全球资讯请点击浏览）
The tentative deal would cost the bank more than $16 billion to settle investigations into its sale of toxic mortgage securities in the runup to the financial crisis, people briefed on the matter said.
The deal came together last week after a wild card entered the fray. But it could still fall apart, those sources said, if the sides cannot agree on some of the details.
On July 30, within hours of the bank making a larger settlement offer that again failed to appease the Justice Department, Judge Jed Rakoff issued an unexpected ruling in another Bank of America case that further undercut the bank’s negotiating leverage.
Rakoff, of the U.S. District Court in Manhattan, a longtime thorn in the side of Wall Street and Washington, ordered the bank to pay nearly $1.3 billion for selling 17,600 loans, many of which were defective. Bank of America had previously lost that case at trial.
The bank’s top lawyers and executives, who made the ill-fated decision to fight that case in Rakoff’s court rather than settle, appeared to recognize that another courtroom battle would not only be futile but extremely expensive, according to two of the people briefed on the matter.
The remaining investigations, which by contrast involved billions of dollars in securities backed by home loans, could have cost the bank much more than Rakoff’s penalty, perhaps even more than a settlement with the Justice Department. （更多全球资讯请点击浏览）
With the bank reeling from the judge’s decision, Attorney General Eric Holder delivered the final blow. Holder, who had rebuffed earlier requests for a meeting with the bank’s chief executive, decided to open the lines of communication.
In a phone call July 30 with the CEO, Brian Moynihan, Holder delivered a simple demand: Raise your offer or be sued the very next day. Holder, the people briefed on the matter said, provided a deadline of 8 a.m. EDT Thursday.
Around 7:50 a.m. Thursday, one of the people said, a bank lawyer called to offer $9 billion in cash and more than $7 billion in so-called soft-dollar relief to consumers. That offer, which provided the crux of the tentative settlement, was within striking distance of the Justice Department’s initial demands. It also was far in excess of what JPMorgan Chase and Citigroup paid to settle similar cases.
