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Despite these warnings, her own agency’s examiners had a mixed record. The parent company of Countrywide Financial Corp. was regulated by the San Francisco Fed until 2005, when the firm reorganized in a way that shifted oversight to the Office of Thrift Supervision, a move many saw as a ploy to seek a lighter regulatory touch. Countrywide, then a leading mortgage lender, buckled when the housing market tanked and was acquired under duress by Bank of America Corp. in 2008. Bank of America declined to comment.
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