美聯(lián)社 
2014年8月06日 05:59
一位知情人士說,美國銀行同意支付160億美元～170億美元來平息其出售金融危機之前不良抵押貸款證券的調查,。
經(jīng)過幾個月的交涉,只用了短短24小時美國銀行就突然和政府達成解決協(xié)議,這是美國歷史上最大的聯(lián)邦公司協(xié)議,。
初步協(xié)議,美國銀行將支付超過160億美元,以了結在金融危機期間出售問題抵押貸款證券調查,知情人士說。
這筆協(xié)議在上周一次的爭論引起的,。消息人士表示如果雙方不能在一些細節(jié)問題上達成一致意見的話協(xié)議仍有可能破裂,。
7月30日,在數(shù)小時內(nèi)銀行提出的高額賠付又未能通過美國司法部門的要求,法官Jed Rakoff發(fā)布一個另一個關于美國銀行(bank of America)的意想不到的裁決,進一步削弱了銀行的談判籌碼。
華爾街和華盛頓長期視為眼中釘?shù)拿绹D地方法院拉科夫,，下令處罰美國銀行近13億美元由于其銷售17600個不良貸款,。美國銀行(Bank of America)在之前的審判曾敗訴。
銀行的律師和高管,對這個糟糕案子的決定似乎是對似乎對Rakoff對抗而不是解決問題,，他們似乎認識到接下來的案件審理對他們來說不僅是徒勞,而且費用非常昂貴,據(jù)兩位知情人士,。
剩下的調查,相比涉及數(shù)十億美元住房貸款所涉及到的證券,銀行可能花費的比拉科夫處罰更多,甚至超過與美國司法部達成和解。（更多全球資訊請點擊瀏覽）
銀行受到法官的判決的同時,司法部長埃里克•霍爾德那里也沒好消息,?；魻柕略缧r候拒絕了會見銀行的首席執(zhí)行官請求,決定打開溝通渠道。
知情人士說7月30日和首席執(zhí)行官布賴恩•莫伊尼漢(Brian Moynihan)通話中,，霍爾德表達了簡短的要求:提高賠付金額,，要么等著第二天被起訴。
周四上午7:50左右一位知情人士說,銀行的律師打電話給他支付90億美元的現(xiàn)金和超過70億美元的所謂軟金錢給消費者,。賠付金額初步解決了問題,滿足了司法部最初要求,。它也遠遠超過了摩根大通和花旗集團解決類似案件的費用。

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. （更多全球資訊請點擊瀏覽） 
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. （更多全球資訊請點擊瀏覽） 
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.