美国大银行须再向社区支付巨额救济金

Big banks will have to offer billions of dollars more in relief to the communities hardest hit by the financial crisis, as US authorities demand new terms for settling claims of mortgage sales abuses.

由于美国当局就解决抵押贷款不当销售的赔偿问题提出新条款，多家大银行将再向遭受金融危机冲击最严重的社区支付数十亿美元救济金。

The Department of Justice and Department of Housing and Urban Development are adding provisions aimed at directing aid to distressed areas and community redevelopment efforts as they resolve outstanding investigations into mortgage sale abuses.

美国司法部(DoJ)和美国住宅与城市发展部(Department of Housing and Urban Development)努力为悬而未决的抵押贷款不当销售调查划上句号，增加了一些新条款，旨在把援助引导至较困难的地区，服务于社区再发展。

The change of focus comes as US officials move closer to a record $16bn-plus deal with Bank of America over mis-selling mortgage securities that would push as much as $7bn to homeowners, people familiar with the matter have said.

与此同时，知情人士表示，美国官员接近与美国银行(BofA)就不当销售抵押贷款证券问题，达成一项金额达到创纪录的逾160亿美元的协议，其中70亿美元将支付给房主。

Including the BofA deal, banks will have paid $59bn in fines and consumer relief since the crisis to settle mortgage cases, according to FT research. At least seven other banks remain under investigation for mis-selling mortgage securities.

英国《金融时报》研究显示，包括美国银行的该和解协议，各银行自金融危机以来为解决抵押贷款诉讼案而支付的罚金和消费者救济金总共将达590亿美元。目前，起码还有7家银行仍在因不当销售抵押贷款证券问题而接受调查。

“We want to focus on lower to moderate income borrowers to make sure we’re getting at the smaller loans. So many years after the crisis there are still so many homeowners that are struggling,” said a DoJ official.

“我们关注中低收入借款人，以确保我们能触及那些较低额度的贷款。金融危机过了这么多年，仍有这么多房主处境艰难，”一位司法部官员表示。

Authorities are trying to direct relief to poorer neighbourhoods after criticism that buyers of higher-priced homes received too much of the mortgage relief set aside under 2012’s $20bn agreement between authorities and five financial institutions accused of improper foreclosures.

当局正努力把救济金引导至较为贫穷的社区，此前他们遭到批评：根据2020年与被控不当收回房产的5家银行达成的200亿美元协议而划拨的抵押贷款救济金，有太大的比例流入了购买较高档房屋的业主手中。