The Federal Housing Finance Agency，which regulates Fannie Mae and Freddie Mac，said Friday that it struck a separate $5.1 billion deal with JPMorgan Chase over faulty mortgage practices，rather than wait for the Justice Department to finalize its share of a tentative $13 billion deal with the bank.
房利美、房地美的監(jiān)管機(jī)構(gòu)美國(guó)聯(lián)邦住房金融局上周五表示，將就不良住房抵押貸款一案與摩根大通達(dá)成51億美元的和解協(xié)議，而非繼續(xù)等待美國(guó)司法部最終敲定130億美元臨時(shí)和解協(xié)議中的份額。(《華盛頓郵報(bào)》)
Friday’s deal calls for JPMorgan，the nation’s largest bank，to pay about $2.7 billion to Freddie Mac and $1.3 billion to Fannie Mae to resolve claims related to mortgage securities sold to the companies between 2005 and 2007 by the bank and two firms it acquired，Bear Stearns and Washington Mutual.
這項(xiàng)和解協(xié)議要求摩根大通這家全美最大銀行分別向房地美和房利美支付27億美元和13億美元，以了結(jié)該銀行以及其收購的貝爾斯登投資銀行和華盛頓互惠銀行在2005年至2007年間向兩房出售不良住房抵押貸款證券的相關(guān)指控。(《華盛頓郵報(bào)》)
The additional $1.1 million resolves claims that JPMorgan breached the representations it made about the quality of single-family mortgages it sold the government-sponsored entities，the regulator said.
此外，聯(lián)邦住房金融局表示，額外的11億美元用以了結(jié)摩根大通謊報(bào)其出售給兩房的獨(dú)戶房屋抵押貸款質(zhì)量的指控。(路透社)
In a statement Friday，JPMorgan called the agreement with the FHFA“an important step towards a broader resolution of the firm’s”mortgage-related matters. Edward DeMarco，the FHFA’s acting director，said the settlement with JPMorgan“provides greater certainty in the marketplace and is in line with our responsibility for preserving and conserving Fannie Mae’s and Freddie Mac’s assets on behalf of taxpayers.”
摩根大通在當(dāng)日的一份聲明中表示，這項(xiàng)和解協(xié)議是該公司在更廣泛地解決與抵押貸款相關(guān)問題方面邁出的重大一步。聯(lián)邦住房金融局代理局長(zhǎng)愛德華·德馬科也表示，與摩根大通的和解協(xié)議“為市場(chǎng)提供了更多確定性，并且符合我們代表納稅人保護(hù)兩房資產(chǎn)的責(zé)任。”(《華爾街日?qǐng)?bào)》)
The bank and the agencies’regulator said Friday evening that the settlement was expected to be part of a tentative $13 billion deal that JPMorgan is negotiating with federal and state agencies over its mortgage bond liabilities.
聯(lián)邦住房金融局稱，預(yù)計(jì)此項(xiàng)協(xié)議將是此前就摩根大通抵押貸款證券案達(dá)成的130億美元臨時(shí)協(xié)議的一部分。目前，摩根大通與聯(lián)邦政府機(jī)構(gòu)仍在就此協(xié)議進(jìn)行協(xié)商。
據(jù)此前報(bào)道稱，摩根大通與美國(guó)司法部達(dá)成130億美元的臨時(shí)協(xié)議，為有史以來單一公司支付的最大一筆罰金。其中，40億美元將用以了結(jié)聯(lián)邦住房金融局提出的指控，另有40億美元用作對(duì)按揭貸款消費(fèi)者的債務(wù)減免，其余50億美元為其他罰款。(路透社)
While the parties have agreed to the framework of the deal，talks have slowed over whether JPMorgan can shift onto the Federal Deposit Insurance Corp liabilities of Washington Mutual，a failed lender which JPMorgan took over during the financial crisis.
盡管參與協(xié)商的各方已就協(xié)議框架達(dá)成一致，但由于在摩根大通能否將責(zé)任轉(zhuǎn)嫁至一度接管華盛頓互惠銀行的美國(guó)聯(lián)邦儲(chǔ)蓄保險(xiǎn)公司這一問題上存在疑問，談判進(jìn)度有所放緩。華盛頓互惠銀行曾是一家破產(chǎn)借貸銀行，在金融危機(jī)期間被摩根大通收購。(路透社)
The FHFA sued 18 financial institutions in September 2011 over their sales of mortgage securities to Fannie and Freddie. The total price for the securities sold was $196 billion.
2011年9月，聯(lián)邦住房金融局向18家金融機(jī)構(gòu)提起訴訟，指控其向房利美和房地美出售不良住房抵押貸款證券。出售證券總數(shù)額為1960億美元。(《華爾街日?qǐng)?bào)》)