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The company accepted the settlement with a document stating it "accepts and acknowledges that it is responsible for the criminal acts of its former employees", The Charlotte ( N.C.) Observer reported Thursday.

Investigators filed charges in U.S. District Court in Charlotte Wednesday.

The various mortgage abuses included lending agents overlooking a home buyer's gross income, but asking, instead, if the home buyer made enough to cover the mortgage. Others offered to cover the down payment for low-income home buyers.

Agents then raised the price of the home to offset the cost of the so-called "gift", the newspaper said.

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