b'Total Actions by Federal/State GovernmentFederal State JointTotal: 17414 Total: 1487Total: 1117 Total: 9656 Total: 78 Total: 78 263 5 1336 442630104 78 47 35 68 502016 2017 2018 2019 2020 2021The enforcement activity level of other federal agenciesdecisioning tools and operational deficiencies caused was consistent with 2020 levels. The U.S. Federal Tradeerrors in its loss mitigation practices that negatively Commission (FTC) reported 14 actions in 2021theaffected borrowers, and that it had inadequate controls, same number as the previous year. The DOJ reportedoversight, and governance to timely detect and prevent seven actions, down from eight in 2020. The Office ofinaccurate loan modification decisions. Under the terms the Comptroller of the Currency (OCC), which was largelyof the order, Wells Fargo agreed to pay a $250 million inactive in enforcement 2020, reported three actionscivil money penalty and agreed to limitations on its future in 2021, including securing a $250 million civil moneyloss mitigation and servicing-related activities until it had penalty through a joint CFPB-OCC action. All told, totaladjusted certain practices. federal recoveries amounted to $556 million, a decrease from the nearly $4 billion recovered in 2020. CFPB, DOJ, and OCC Resolve Redlining Allegations Against Trustmark National BankIn October, the CFPB and the DOJ, in cooperation 2021 Highlights with the OCC, announced a settlement with Trustmark Significant Enforcement Actions National Bank, a Mississippi-based lender, resolving allegations that Trustmark had engaged in redlining Wells Fargo Pays $250 Million Civil Money Penaltyby deliberately refusing to market, offer, or originate to OCC to Resolve Alleged Deficiencies in Losshome loans to consumers in majority-Black and Mitigation Practices Hispanic neighborhoods in the Memphis area, and by In the largest recovery of the year by dollar value, thediscouraging consumers residing in or seeking credit OCC announced with the CFPB in September that it hadfor properties located in those areas from applying for entered into a consent order with Wells Fargo Bank, N.A.credit. Under the terms of the consent order, Trustmark concerning Well Fargos home lending loss-mitigationagreed to invest $3.85 million in a loan subsidy program, and alleged violations of a 2018 consent order.program and pay a $5 million civil money penalty. The OCC alleged that Wells Fargos loss mitigation 7'