Some of the largest banks such as Bank Of America, Wells Fargo, Chase and Citi Bank have been found guilty by a federal judge regarding the mortgage servicing scandal known as M.E.R.S. or "robo signings"  Additionally some state attorney's generals are asking for civil fines as well as modifications for borrowers facing foreclosure of their homes.  The O'Bama administration would like to see these banks reduce the principle on homeowners mortgages as well as reduced interest rates.  The administration is hoping that the settlement can get the stalled real estate market back on tract. Not fair you say...... more on that later