");vwo_$('head').append(_vwo_sel);return vwo_$('head')[0] && vwo_$('head')[0].lastChild;})("HEAD")}}, R_940895_48_1_2_0:{ fn:function(log,nonce=''){return (function(x) { if(!vwo_$.fn.vwoRevertHtml){ return; }; var ctx=vwo_$(x),el; /*vwo_debug log("Revert","content",""); vwo_debug*/; el=vwo_$('[vwo-element-id="1742919897117"]'); el.revertContentOp().remove();})("HEAD")}}, C_940895_48_1_2_1:{ fn:function(log,nonce=''){return (function(x) {var el,ctx=vwo_$(x); /*vwo_debug log("editElement",".stylingblock-content-margin-cell > table:nth-of-type(1) > tbody:nth-of-type(1) > tr:nth-of-type(1) > td:nth-of-type(1) > div:nth-of-type(1) > div:nth-of-type(1) > h2:nth-of-type(1) > span:nth-of-type(1)"); vwo_debug*/(el=vwo_$(".stylingblock-content-margin-cell > table:nth-of-type(1) > tbody:nth-of-type(1) > tr:nth-of-type(1) > td:nth-of-type(1) > div:nth-of-type(1) > div:nth-of-type(1) > h2:nth-of-type(1) > span:nth-of-type(1)")).html("Hello! David Brancaccio here. Do you want instant access to the free online course - “Economics 101” - to understand basic economic concepts?");})(".stylingblock-content-margin-cell > table:nth-of-type(1) > tbody:nth-of-type(1) > tr:nth-of-type(1) > td:nth-of-type(1) > div:nth-of-type(1) > div:nth-of-type(1) > h2:nth-of-type(1) > span:nth-of-type(1)")}}, R_940895_48_1_2_1:{ fn:function(log,nonce=''){return (function(x) { if(!vwo_$.fn.vwoRevertHtml){ return; }; var el,ctx=vwo_$(x); /*vwo_debug log("Revert","editElement",".stylingblock-content-margin-cell > table:nth-of-type(1) > tbody:nth-of-type(1) > tr:nth-of-type(1) > td:nth-of-type(1) > div:nth-of-type(1) > div:nth-of-type(1) > h2:nth-of-type(1) > span:nth-of-type(1)"); vwo_debug*/(el=vwo_$(".stylingblock-content-margin-cell > table:nth-of-type(1) > tbody:nth-of-type(1) > tr:nth-of-type(1) > td:nth-of-type(1) > div:nth-of-type(1) > div:nth-of-type(1) > h2:nth-of-type(1) > span:nth-of-type(1)")).vwoRevertHtml();})(".stylingblock-content-margin-cell > table:nth-of-type(1) > tbody:nth-of-type(1) > tr:nth-of-type(1) > td:nth-of-type(1) > div:nth-of-type(1) > div:nth-of-type(1) > h2:nth-of-type(1) > span:nth-of-type(1)")}}},rules:[{"triggers":["8639604"],"tags":[{"id":"metric","metricId":951908,"data":{"campaigns":[{"g":4,"c":62}],"type":"m"}},{"id":"metric","data":{"campaigns":[{"g":1,"c":63}],"type":"m"},"metricId":951908},{"id":"metric","data":{"campaigns":[{"g":6,"c":16}],"type":"m"},"metricId":951908},{"id":"metric","data":{"campaigns":[{"g":1,"c":65}],"type":"m"},"metricId":951908},{"id":"metric","data":{"campaigns":[{"g":1,"c":48}],"type":"m"},"metricId":951908},{"id":"metric","data":{"campaigns":[{"g":1,"c":64}],"type":"m"},"metricId":951908}]},{"triggers":["12639747"],"tags":[{"id":"metric","metricId":0,"data":{"campaigns":[{"g":5,"c":16}],"type":"g"}}]},{"triggers":["12454056"],"tags":[{"id":"metric","metricId":0,"data":{"campaigns":[{"g":5,"c":39}],"type":"g"}}]},{"triggers":["12454053"],"tags":[{"id":"runCampaign","data":"campaigns.39","priority":4}]},{"triggers":["12928443"],"tags":[{"id":"runCampaign","data":"campaigns.65","priority":0}]},{"triggers":["12454059"],"tags":[{"id":"metric","metricId":0,"data":{"campaigns":[{"g":6,"c":39}],"type":"g"}}]},{"triggers":["10589191"],"tags":[{"id":"runCampaign","data":"campaigns.62","priority":4},{"id":"runCampaign","data":"campaigns.63","priority":4},{"id":"runCampaign","data":"campaigns.16","priority":4},{"id":"runCampaign","data":"campaigns.48","priority":4},{"id":"runCampaign","data":"campaigns.64","priority":4}]},{"triggers":["12454062"],"tags":[{"id":"metric","metricId":0,"data":{"campaigns":[{"g":7,"c":39}],"type":"g"}}]},{"triggers":["8536412"],"tags":[{"id":"metric","metricId":959030,"data":{"campaigns":[{"g":1,"c":39}],"type":"m"}},{"id":"metric","data":{"campaigns":[{"g":2,"c":62}],"type":"m"},"metricId":959030},{"id":"metric","data":{"campaigns":[{"g":3,"c":63}],"type":"m"},"metricId":959030},{"id":"metric","data":{"campaigns":[{"g":4,"c":16}],"type":"m"},"metricId":959030},{"id":"metric","data":{"campaigns":[{"g":3,"c":65}],"type":"m"},"metricId":959030},{"id":"metric","data":{"campaigns":[{"g":4,"c":48}],"type":"m"},"metricId":959030},{"id":"metric","data":{"campaigns":[{"g":3,"c":64}],"type":"m"},"metricId":959030}]},{"triggers":["8536415"],"tags":[{"id":"metric","metricId":959033,"data":{"campaigns":[{"g":2,"c":39}],"type":"m"}},{"id":"metric","data":{"campaigns":[{"g":1,"c":62}],"type":"m"},"metricId":959033},{"id":"metric","data":{"campaigns":[{"g":2,"c":63}],"type":"m"},"metricId":959033},{"id":"metric","data":{"campaigns":[{"g":3,"c":16}],"type":"m"},"metricId":959033},{"id":"metric","data":{"campaigns":[{"g":2,"c":65}],"type":"m"},"metricId":959033},{"id":"metric","data":{"campaigns":[{"g":3,"c":48}],"type":"m"},"metricId":959033},{"id":"metric","data":{"campaigns":[{"g":2,"c":64}],"type":"m"},"metricId":959033}]},{"triggers":["8459768"],"tags":[{"id":"metric","metricId":951905,"data":{"campaigns":[{"g":4,"c":39}],"type":"m"}},{"id":"metric","data":{"campaigns":[{"g":5,"c":62}],"type":"m"},"metricId":951905},{"id":"metric","data":{"campaigns":[{"g":5,"c":63}],"type":"m"},"metricId":951905},{"id":"metric","data":{"campaigns":[{"g":2,"c":16}],"type":"m"},"metricId":951905},{"id":"metric","data":{"campaigns":[{"g":5,"c":65}],"type":"m"},"metricId":951905},{"id":"metric","data":{"campaigns":[{"g":2,"c":48}],"type":"m"},"metricId":951905},{"id":"metric","data":{"campaigns":[{"g":5,"c":64}],"type":"m"},"metricId":951905}]},{"triggers":["8536409"],"tags":[{"id":"metric","metricId":959027,"data":{"campaigns":[{"g":3,"c":39}],"type":"m"}},{"id":"metric","data":{"campaigns":[{"g":3,"c":62}],"type":"m"},"metricId":959027},{"id":"metric","data":{"campaigns":[{"g":4,"c":63}],"type":"m"},"metricId":959027},{"id":"metric","data":{"campaigns":[{"g":1,"c":16}],"type":"m"},"metricId":959027},{"id":"metric","data":{"campaigns":[{"g":4,"c":65}],"type":"m"},"metricId":959027},{"id":"metric","data":{"campaigns":[{"g":5,"c":48}],"type":"m"},"metricId":959027},{"id":"metric","data":{"campaigns":[{"g":4,"c":64}],"type":"m"},"metricId":959027}]},{"triggers":["8"],"tags":[{"id":"prePostMutation","priority":3},{"id":"groupCampaigns","priority":2}]},{"triggers":["9"],"tags":[{"id":"visibilityService","priority":2}]},{"triggers":["2"],"tags":[{"id":"runTestCampaign"}]},{"triggers":["75"],"tags":[{"id":"urlChange"}]},{"triggers":["5"],"tags":[{"id":"checkEnvironment"}]}],pages:{"pc":[{"141375":{"inc":["o",["url","urlReg","(?i)^https?\\:\\\/\\\/(w{3}\\.)?mprnews\\.org\\\/story.*"],["url","urlReg","(?i)^https?\\:\\\/\\\/(w{3}\\.)?mprnews\\.org\\\/episode.*"]]}}],"ec":[{"1625289":{"inc":["o",["url","urlReg","(?i).*"]]}},{"2121531":{"inc":["o",["pg","eq","141375"]]}}]},pagesEval:{"pc":[141375],"ec":[1625289,2121531]},stags:{}}})(); ;;var commonWrapper=function(argument){if(!argument){argument={valuesGetter:function(){return{}},valuesSetter:function(){},verifyData:function(){return{}}}}const getVisitorUuid=function(){if(window._vwo_acc_id>=1037725){return window.VWO&&window.VWO.get("visitor.id")}else{return window.VWO._&&window.VWO._.cookies&&window.VWO._.cookies.get("_vwo_uuid")}};var pollInterval=100;var timeout=6e4;return function(){var accountIntegrationSettings={};var _interval=null;function waitForAnalyticsVariables(){try{accountIntegrationSettings=argument.valuesGetter();accountIntegrationSettings.visitorUuid=getVisitorUuid()}catch(error){accountIntegrationSettings=undefined}if(accountIntegrationSettings&&argument.verifyData(accountIntegrationSettings)){argument.valuesSetter(accountIntegrationSettings);return 1}return 0}var currentTime=0;_interval=setInterval((function(){currentTime=currentTime||performance.now();var result=waitForAnalyticsVariables();if(result||performance.now()-currentTime>=timeout){clearInterval(_interval)}}),pollInterval)}}; var pushBasedCommonWrapper=function(argument){var firedCamp={};if(!argument){argument={integrationName:"",getExperimentList:function(){},accountSettings:function(){},pushData:function(){}}}return function(){window.VWO=window.VWO||[];const getVisitorUuid=function(){if(window._vwo_acc_id>=1037725){return window.VWO&&window.VWO.get("visitor.id")}else{return window.VWO._&&window.VWO._.cookies&&window.VWO._.cookies.get("_vwo_uuid")}};var sendDebugLogsOld=function(expId,variationId,errorType,user_type,data){try{var errorPayload={f:argument["integrationName"]||"",a:window._vwo_acc_id,url:window.location.href,exp:expId,v:variationId,vwo_uuid:getVisitorUuid(),user_type:user_type};if(errorType=="initIntegrationCallback"){errorPayload["log_type"]="initIntegrationCallback";errorPayload["data"]=JSON.stringify(data||"")}else if(errorType=="timeout"){errorPayload["timeout"]=true}if(window.VWO._.customError){window.VWO._.customError({msg:"integration debug",url:window.location.href,lineno:"",colno:"",source:JSON.stringify(errorPayload)})}}catch(e){window.VWO._.customError&&window.VWO._.customError({msg:"integration debug failed",url:"",lineno:"",colno:"",source:""})}};var sendDebugLogs=function(expId,variationId,errorType,user_type){var eventName="vwo_debugLogs";var eventPayload={};try{eventPayload={intName:argument["integrationName"]||"",varId:variationId,expId:expId,type:errorType,vwo_uuid:getVisitorUuid(),user_type:user_type};if(window.VWO._.event){window.VWO._.event(eventName,eventPayload,{enableLogs:1})}}catch(e){eventPayload={msg:"integration event log failed",url:window.location.href};window.VWO._.event&&window.VWO._.event(eventName,eventPayload)}};const callbackFn=function(data){if(!data)return;var expId=data[1],variationId=data[2],repeated=data[0],singleCall=0,debug=0;var experimentList=argument.getExperimentList();var integrationName=argument["integrationName"]||"vwo";if(typeof argument.accountSettings==="function"){var accountSettings=argument.accountSettings();if(accountSettings){singleCall=accountSettings["singleCall"];debug=accountSettings["debug"]}}if(debug){sendDebugLogs(expId,variationId,"intCallTriggered",repeated)}if(singleCall&&(repeated==="vS"||repeated==="vSS")||firedCamp[expId]){return}window.expList=window.expList||{};var expList=window.expList[integrationName]=window.expList[integrationName]||[];if(expId&&variationId&&["VISUAL_AB","VISUAL","SPLIT_URL"].indexOf(_vwo_exp[expId].type)>-1){if(experimentList.indexOf(+expId)!==-1){firedCamp[expId]=variationId;var visitorUuid=getVisitorUuid();var pollInterval=100;var currentTime=0;var timeout=6e4;var user_type=_vwo_exp[expId].exec?"vwo-retry":"vwo-new";var interval=setInterval((function(){if(expList.indexOf(expId)!==-1){clearInterval(interval);return}currentTime=currentTime||performance.now();var toClearInterval=argument.pushData(expId,variationId,visitorUuid);if(debug&&toClearInterval){sendDebugLogsOld(expId,variationId,"",user_type);sendDebugLogs(expId,variationId,"intDataPushed",user_type)}var isTimeout=performance.now()-currentTime>=timeout;if(isTimeout&&debug){sendDebugLogsOld(expId,variationId,"timeout",user_type);sendDebugLogs(expId,variationId,"intTimeout",user_type)}if(toClearInterval||isTimeout){clearInterval(interval)}if(toClearInterval){window.expList[integrationName].push(expId)}}),pollInterval||100)}}};window.VWO.push(["onVariationApplied",callbackFn]);window.VWO.push(["onVariationShownSent",callbackFn])}}; var surveyDataCommonWrapper=function(argument){if(!argument){argument={getCampaignList:function(){return[]},surveyStatusChange:function(){},answerSubmitted:function(){}}}return function(){window.VWO=window.VWO||[];function getValuesFromAnswers(answers){var values=[];for(var i=0;i=timeout;if(toClearInterval||isTimeout){clearInterval(interval)}}),pollInterval)}}window.VWO.push(["onSurveyShown",function(data){commonSurveyCallback(data,argument.surveyStatusChange,"surveyShown")}]);window.VWO.push(["onSurveyCompleted",function(data){commonSurveyCallback(data,argument.surveyStatusChange,"surveyCompleted")}]);window.VWO.push(["onSurveyAnswerSubmitted",function(data){commonSurveyCallback(data,argument.answerSubmitted,"surveySubmitted")}])}}; (function(){var VWOOmniTemp={};window.VWOOmni=window.VWOOmni||{};for(var key in VWOOmniTemp)Object.prototype.hasOwnProperty.call(VWOOmniTemp,key)&&(window.VWOOmni[key]=VWOOmniTemp[key]);;})();(function(){window.VWO=window.VWO||[];var pollInterval=100;var _vis_data={};var intervalObj={};var analyticsTimerObj={};var experimentListObj={};window.VWO.push(["onVariationApplied",function(data){if(!data){return}var expId=data[1],variationId=data[2];if(expId&&variationId&&["VISUAL_AB","VISUAL","SPLIT_URL"].indexOf(window._vwo_exp[expId].type)>-1){}}])})();; ;var vD=VWO.data||{};VWO.data={content:{"fns":{"list":{"args":{"1":{}},"vn":1}}},as:"r6.visualwebsiteoptimizer.com",dacdnUrl:"https://dev.visualwebsiteoptimizer.com",accountJSInfo:{"noSS":false,"pc":{"t":0,"a":0},"ts":1744086748,"rp":30}};for(var k in vD){VWO.data[k]=vD[k]};;var gcpfb=function(a,loadFunc,status,err,success){function vwoErr() {_vwo_err({message:"Google_Cdn failing for " + a + ". Trying Fallback..",code:"cloudcdnerr",status:status});} if(a.indexOf("/cdn/")!==-1){loadFunc(a.replace("cdn/",""),err,success); vwoErr(); return true;} else if(a.indexOf("/dcdn/")!==-1&&a.indexOf("evad.js") !== -1){loadFunc(a.replace("dcdn/",""),err,success); vwoErr(); return true;}};window.VWO=window.VWO || [];window.VWO._= window.VWO._ || {};window.VWO._.gcpfb=gcpfb;;var d={cookie:document.cookie,URL:document.URL,referrer:document.referrer};var w={VWO:{_:{}},location:{href:window.location.href,search:window.location.search},_vwoCc:window._vwoCc};;window._vwo_cdn="https://dev.visualwebsiteoptimizer.com/cdn/";window._vwo_apm_debug_cdn="https://dev.visualwebsiteoptimizer.com/cdn/";window.VWO._.useCdn=true;window.vwo_eT="br";window._VWO=window._VWO||{};window._VWO.fSeg={};window._VWO.dcdnUrl="/dcdn/settings.js";window.VWO.sTs=1744038536;window._VWO._vis_nc_lib=window._vwo_cdn+"edrv/nc-065d3f05fe213fcfa27fbdcaac81338bbr.js";var loadWorker=function(url){_vwo_code.load(url, { dSC: true, onloadCb: function(xhr,a){window._vwo_wt_l=true;if(xhr.status===200 ||xhr.status===304){var code="var window="+JSON.stringify(w)+",document="+JSON.stringify(d)+";window.document=document;"+xhr.responseText;var blob=new Blob([code||"throw new Error('code not found!');"],{type:"application/javascript"}),url=URL.createObjectURL(blob);window.mainThread={webWorker:new Worker(url)};window.vwoChannelFW=new MessageChannel();window.vwoChannelToW=new MessageChannel();window.mainThread.webWorker.postMessage({vwoChannelToW:vwoChannelToW.port1,vwoChannelFW:vwoChannelFW.port2},[vwoChannelToW.port1, vwoChannelFW.port2]);if(!window._vwo_mt_f)return window._vwo_wt_f=true;_vwo_code.addScript({text:window._vwo_mt_f});delete window._vwo_mt_f}else{if(gcpfb(a,loadWorker,xhr.status)){return;}_vwo_code.finish("&e=loading_failure:"+a)}}, onerrorCb: function(a){if(gcpfb(a,loadWorker)){return;}window._vwo_wt_l=true;_vwo_code.finish("&e=loading_failure:"+a);}})};loadWorker("https://dev.visualwebsiteoptimizer.com/cdn/edrv/worker-1c9fee42429b92a40520b9e729427a4cbr.js");;var _vis_opt_file;var _vis_opt_lib;if(window.VWO._.allSettings.dataStore.previewExtraSettings!=undefined&&window.VWO._.allSettings.dataStore.previewExtraSettings.isSurveyPreviewMode){var surveyHash=window.VWO._.allSettings.dataStore.plugins.LIBINFO.SURVEY_DEBUG_EVENTS.HASH;var param1="evad.js?va=";var param2="&d=debugger_new";var param3="&sp=1&a=940895&sh="+surveyHash;_vis_opt_file=vwoCode.use_existing_jquery&&typeof vwoCode.use_existing_jquery()!=="undefined"?vwoCode.use_existing_jquery()?param1+"vanj"+param2:param1+"va_gq"+param2:param1+"edrv/va_gq-1b71f70004771740c842714f98dd257abr.js"+param2;_vis_opt_file=_vis_opt_file+param3;_vis_opt_lib="https://dev.visualwebsiteoptimizer.com/dcdn/"+_vis_opt_file}else if(window.VWO._.allSettings.dataStore.mode!=undefined&&window.VWO._.allSettings.dataStore.mode=="PREVIEW"){ var path1 = 'edrv/pd_'; var path2 = window.VWO._.allSettings.dataStore.plugins.LIBINFO.EVAD.HASH + ".js"; ;_vis_opt_file=vwoCode.use_existing_jquery&&typeof vwoCode.use_existing_jquery()!=="undefined"?vwoCode.use_existing_jquery()?path1+"vanj"+path2:path1+"va_gq"+path2:path1+"edrv/va_gq-1b71f70004771740c842714f98dd257abr.js"+path2;_vis_opt_lib="https://dev.visualwebsiteoptimizer.com/cdn/"+_vis_opt_file}else{_vis_opt_file=vwoCode.use_existing_jquery&&typeof vwoCode.use_existing_jquery()!=="undefined"?vwoCode.use_existing_jquery()?"edrv/vanj-9556ee20f78ed4cbea841a8762fe78b1br.js":"edrv/va_gq-1b71f70004771740c842714f98dd257abr.js":"edrv/va_gq-1b71f70004771740c842714f98dd257abr.js"}window._vwo_library_timer=setTimeout((function(){vwoCode.removeLoaderAndOverlay&&vwoCode.removeLoaderAndOverlay();vwoCode.finish()}),vwoCode.library_tolerance&&typeof vwoCode.library_tolerance()!=="undefined"?vwoCode.library_tolerance():2500),_vis_opt_lib=typeof _vis_opt_lib=="undefined"?window._vwo_cdn+_vis_opt_file:_vis_opt_lib;var loadLib=function(url){_vwo_code.load(url, { dSC: true, onloadCb:function(xhr,a){window._vwo_mt_l=true;if(xhr.status===200 || xhr.status===304){if(!window._vwo_wt_f)return window._vwo_mt_f=xhr.responseText;_vwo_code.addScript({text:xhr.responseText});delete window._vwo_wt_f;}else{if(gcpfb(a,loadLib,xhr.status)){return;}_vwo_code.finish("&e=loading_failure:"+a);}}, onerrorCb: function(a){if(gcpfb(a,loadLib)){return;}window._vwo_mt_l=true;_vwo_code.finish("&e=loading_failure:"+a);}})};loadLib(_vis_opt_lib);VWO.load_co=function(u,opts){return window._vwo_code.load(u,opts);};;;}}catch(e){_vwo_code.finish();_vwo_code.removeLoaderAndOverlay&&_vwo_code.removeLoaderAndOverlay();_vwo_err(e);window.VWO.caE=1}})();

Skip to Main Content
Skip to audio player to listen live

Create a Free MPR

news profile

for you

Sign up

Already have an account?

By submitting, you consent that you are at least 18 years of age and to receive information about MPR's or APMG entities' programs and offerings. The personally identifying information you provide will not be sold, shared, or used for purposes other than to communicate with you about MPR, APMG entities, and its sponsors. You may opt-out at any time clicking the unsubscribe link at the bottom of any email communication. View our Privacy Policy.

Welcome back

to news for you

Sign in to your profile

New to MPR News?

Welcome back

to news

for you

Reset Password

Still require assistance or not sure what your User Name is?

Welcome back

to news

for you

Email Verification

A verification code has been emailed to

Still awaiting the code?

St. Paul, Minn.

June 30, 2014 6:05 PM

U.S. Bank pays $200 million to end federal lending probe

Go Deeper.

Create an account or log in to save stories.

Log in Create a free Account

Like this?

Thanks for liking this story! We have added it to a list of your favorite stories.

U.S. Bank is paying a $200 million fine to settle a federal investigation of mortgage lending practices.

The Minneapolis-based financial giant ignored Federal Housing Administration insurance and other mortgage lending requirements from 2006 through 2011, causing substantial losses to taxpayers and contributing to home foreclosures nationwide, the U.S. Justice Department said Monday.

Financially, the settlement is no big deal for the bank, which earned nearly $6 billion last year, said Dan Werner, a banking analyst with the investment research firm Morningstar.

"It's fairly inconsequential. It gets a distraction behind them," he said. "I think if you talk to most customers of U.S. Bank, I don't know that their opinion of the bank is going to change because of this."

The bank said it admits no liability and settled to avoid a long and costly legal battle and distractions to its business. The feds have reached bigger mortgage lending settlements with larger banks.

The settlement does not prevent state and federal authorities from pursuing other actions.

Turn Up Your Support

MPR News helps you turn down the noise and build shared understanding. Turn up your support for this public resource and keep trusted journalism accessible to all.