A year has passed since state and federal authorities reached a $25 billion settlement with five of the nation’s largest banks over fraudulent foreclosure practices that were commonplace after the housing bust. On Thursday, the court- appointed monitor of the settlement issued a report showing that more than half a million homeowners have received about $46 billion worth of loan modifications, short sales, refinancings and forbearance. The activity spans from March through December and was self-reported by the banks involved in the agreement: Wells Fargo, Bank of America, JPMorgan Chase, Ally Financial and Citigroup. washingtonpost