The Citigroup Center is viewed in midtown Manhattan. Critics say the U.S. settlement with the banking giant will do nothing for those hurt most by the foreclosure crisis: people who lost their homes. Timothy A. Clary/AFP/Getty Images hide caption

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Citigroup has agreed to pay $7 billion to settle a federal investigation into subprime mortgages it sold in the run-up to the financial meltdown of 2008. Kiichiro Sato/AP hide caption

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President Obama with Paul Volcker at the White House in 2009. Volcker, who headed the President's Economic Recovery Advisory Board, lent his name to a new rule aimed at curbing risk-taking on Wall Street. Brendan Smialowski/Getty Images hide caption

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