The Justice Department is negotiating a possible civil settlement with JP Morgan totaling $13 billion ? $4 billion of which would be money returned to harmed homeowners. While the details are still emerging, previous settlements can help provide a picture of what works when it comes to restitution in big cases.
Source: http://www.npr.org/templates/story/story.php?storyId=241449546&ft=1&f=1003
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