<P> In February 2012, Citigroup agreed to pay $158.3 million to settle claims that it falsely certified the quality of loans issued by its CitiMortgage unit over a period of more than six years, so that they would qualify for insurance from the Federal Housing Administration . The lawsuit was initially brought by Sherry Hunt, a CitiMortgage employee . </P> <P> On February 9, 2012, it was announced that the five largest mortgage servicers (Ally / GMAC, Bank of America, Citi, JPMorgan Chase, and Wells Fargo) agreed to a historic settlement with the federal government and 49 states . The settlement, known as the National Mortgage Settlement (NMS), required the servicers to provide about $26 billion in relief to distressed homeowners and in direct payments to the states and federal government . This settlement amount makes the NMS the second largest civil settlement in U.S. history, only trailing the Tobacco Master Settlement Agreement . The five banks were also required to comply with 305 new mortgage servicing standards . Oklahoma held out and agreed to settle with the banks separately . </P> <P> In 2014, Citigroup agreed to pay $7 billion to resolve claims it misled investors about shoddy mortgage - backed securities in the run - up to the financial crisis . Attorney General Eric H. Holder Jr. said "The bank's misconduct was egregious . (...) As a result of their assurances that toxic financial products were sound, Citigroup was able to expand its market share and increase profits" and that "the settlement did not absolve the bank or its employees from facing criminal charges ." </P> <P> In July 2015, Citigroup was fined $70 million by the United States Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency, and ordered to pay $700 million to customers . Citigroup had conducted illegal practices in marketing add - on products for credit cards, including credit monitoring, debt - protection products and wallet - protection services . </P>

Which of the following is the largest organized interest group in the world