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** FILE ** In this April 17, 2009, file photo, a Bank of America branch is shown in Charlotte, N.C. Bank of America is delaying foreclosures in 23 states as it examines whether it rushed the foreclosure process for thousands of homeowners without reading the documents, Friday, Oct. 1, 2010. (AP Photo/Chuck Burton, File)

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ASSOCIATED PRESS The federal ethics office said FDIC Chairman Sheila C. Bair received a retroactive waiver for mortgages she took out with Bank of America while working on the bank's government rescue, but it found no evidence the loans influenced her actions.

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**FILE** In this photo from Nov. 17, 2009, Brian Moynihan, Bank of America's president of consumer and small business banking, testifies on Capitol Hill before the House Oversight and Government Reform Committee hearing on the role of the federal government in the Bank of America-Merrill Lynch merger. (Associated Press)