Former Fannie Mae CEO Franklin Raines (right) testifies on Capitol Hill in December 2008. Former Freddie Mac CEO Leland Brendsel (center) and former Fannie Mae chief Daniel Mudd (left) listen. Susan Walsh/AP hide caption

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JPMorgan Chase admitted to overcharging more than 4,000 active-duty military personnel on their home loans and said it foreclosed in error on 14 of them. The company will send out $2 million worth of refunds to 4,000 active-duty customers who were affected. Chris Hondros/Getty Images hide caption

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Randal Howland, 50, of St. Louis, lost his job over a year ago. Whitney Curtis for NPR hide caption

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A bank-owned home in Miami, Fla., where foreclosure sales made up 39.7 percent in the most recent quarter, according to RealtyTrac. Analysts expect more foreclosures in early 2011. Joe Raedle/Getty Images hide caption

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Satila Higgins, of Evansville, Ind., speaks with a prospective employer at a career fair in San Diego. Gregory Bull/ASSOCIATED PRESS hide caption

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Kenneth Reitz plans to spend his tax money on Apple products, e-books, apps and possibly a dinner with his fiancee. Courtesy of Kenneth Reitz hide caption

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Magan's mother, Marcy Hebert, says Magan was interested in hunting before her brother was. Tamara Keith/NPR hide caption

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Oysterman Mitch Jurisich steers a small boat around his family's oyster beds off the coast of Empire, La. He hasn't harvested many oysters since oil from the BP spill drifted into the area in June. Tamara Keith/NPR hide caption

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Investors in mortgage-backed securities are going after Bank of America to get the bank to take back loans that have gone bad. Paul Sakuma/AP hide caption

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