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DOJ says settlement with LA-based bank is largest in department's history.

Company provides a cloud-based platform for home equity lending to credit unions and community banks.

Says such contracts often have terms & conditions that claim to waive or limit consumer rights.

Redfin: Falling rates, signs that inflation is improving bringing buyers back to the market.

Rico Garcia has more than 20 years of experience in mortgage lending.

Bank reports 4Q earnings cut in half due to settlements, fewer mortgage originations.