JPMorgan Chase，the nation’s largest bank，has reached a tentative agreement with the Justice Department to pay a record $13 billion to resolve allegations that it knowingly sold faulty mortgage securities that contributed to the financial crisis，a person familiar with the talks said Saturday.
據知情人士19日透露，美國最大銀行摩根大通已經與美國司法部達成臨時協議，將支付130億美元和解金，以了結有關其在金融危機前出售不良住房抵押貸款證券的指控。(《華盛頓郵報》)
The deal includes $4 billion to settle claims by the Federal Housing Finance Agency that J.P. Morgan misled Fannie Mae and Freddie Mac about the quality of loans it sold them in the run-up to the 2008 financial crisis，another $4 billion in consumer relief，and $5 billion in penalties paid by the bank，according to people familiar with the decision. How the consumer relief and penalties get dispersed and distributed is largely up to the government，and those details are still unclear，these people said.
知情人士稱，該協議中的40億美元將用以解決美國聯邦住房金融局提出的索賠要求，以補償2008年金融危機前誤導房利美和房地美購買抵押貸款證券導致的損失；另有40億美元用作對按揭貸款消費者的撫慰金，其余50億美元為該銀行的其他罰款。據悉，消費者撫慰金及罰款如何分配主要由政府決定，目前有關細節尚不清楚。(《華爾街日報》)
房利美和房地美是美國聯邦住房金融局監管的住房抵押貸款公司，因在金融危機中瀕臨破產，于2008年9月被美國聯邦政府接管。聯邦住房金融局于2011年對摩根大通和其他17家銀行提出訴訟，指控其向房利美和房地美推薦和出售不良抵押貸款證券。
If finalized，the deal would be the largest penalty ever paid by a single company，representing a tremendous win for the government after years of public criticism over its struggle to hold Wall Street accountable for its crisis-era misdeeds.
如果該協議最終得以達成，這將是有史以來單一公司支付的最大一筆罰款，標志著美國政府多年來對華爾街在危機時期錯誤行徑的追責取得巨大勝利。(《華盛頓郵報》)
The general terms of a deal were struck Friday night in a phone conversation between Attorney General Eric Holder，his lieutenant Tony West，J.P. Morgan CEO James Dimon and the bank’s general counsel，Stephen Cutler，a person familiar with the matter said. The two sides continued to disagree over an admission of wrongdoing that would end the criminal probe and decided instead to resolve the civil allegations related to the mortgage securities.
知情人士稱，該項協議是由美國司法部長艾里克·霍爾德及其助理托尼·威斯特與摩根大通首席執行官詹姆斯·戴蒙及公司總顧問斯蒂芬·卡特勒于18日晚通過電話會議協商而定。雙方在摩根大通存在違法行為方面持續產生分歧，因而無法終止刑事調查，轉而決定解決與抵押貸款證券相關的民事指控。(《華爾街日報》)
The tentative deal does not release the bank from criminal liability for some of the mortgages it packaged into bonds and sold to investors. That had been a major sticking point in the discussions，but the government refused to budge on that issue and JPMorgan felt it had no choice but to give in，according to a second source.
該項臨時協議并未解除摩根大通被追究向投資者出售不良住房抵押貸款證券的刑事責任。據另一消息人士稱，這也是一直以來雙方在協商中的主要癥結所在，但由于政府拒絕在此問題上讓步，摩根大通除了妥協別無選擇。(路透社)
The settlement is $2bn more than the terms that were previously being negotiated. The settlement follows earlier talks for the bank to pay $7bn in cash and provide $4bn in consumer relief，but those negotiations faltered despite Mr Dimon travelling to Washington to meet in person with Mr Holder.
這項臨時協議的和解費用比此前協商的方案要高出20億美元。之前的談判內容是，摩根大通支付70億美元現金，同時提供40億美元的消費者撫慰金。盡管戴蒙曾親自前往華盛頓與霍爾德見面，但談判一直步履維艱。(《金融時報》)
JPMorgan last week enumerated its litigation reserves-an enormous $23bn-for the first time and said that“reasonable possible losses”on top of that amount were $5.7bn. If that entire sum were paid，it would wipe out the last six quarters of profit.
摩根大通上周首次列出230億美元巨額法律準備金，并稱此外還有57億美元“合理的潛在損失”。如果支付所有法律費用，將抵消摩根大通過去六個季度的總利潤。(《金融時報》)