美国一家大银行因普遍违反抵押贷款规则,包括不良的借贷做法和公平贷款失败,被罚款数十亿美元。 A major U.S. bank was fined billions for widespread mortgage rule violations, including poor lending practices and fair lending failures.

据联邦监管机构称,美国一家大银行因普遍未能遵守按揭贷款条例而被罚款数十亿美元。 A major U.S. bank has been fined billions of dollars for widespread failures in complying with mortgage lending regulations, according to federal regulators. 惩罚源于违法行为,包括不适当的贷款承保、文件不足和不遵守公平借贷法。 The penalty stems from violations including improper loan underwriting, inadequate documentation, and failure to follow fair lending laws. 这项执法行动是近年来规模最大的行动之一,它突显了尽管加强了监督,但在遵守抵押贷款方面持续存在的挑战。 The enforcement action, one of the largest in recent years, highlights ongoing challenges in mortgage compliance despite increased oversight. 监管者强调,罚款反映了银行贷款程序和风险管理方面的严重系统性缺陷。 Regulators emphasized that the fine reflects serious systemic shortcomings in the bank’s loan processes and risk management.