Every major Wall Street firm -- JPMorgan Chase (NYSE:JPM), Citigroup (NYSE:C), Goldman Sachs (NYSE:GS), Bank of America (NYSE:BAC) and Wells Fargo (NYSE:WFC), to name a few -- has shelled out hundreds of millions (in some cases billions) under this new approach. The six largest bank holding companies paid more than $85 billion in settlements between 2010 and 2013 in cases tied to the financial crisis, according to data gathered by SNL Financial.