Four years after the nation's largest mortgage servicers were ordered to clean up their foreclosure processes, many are still falling short of their obligations. Six banks, including JPMorgan Chase, U.S. Bancorp and Wells Fargo, have not fully complied with consent orders related to the independent foreclosure review that began in 2011, the Office of the Comptroller of the Currency said on June 17. The servicers were cited for a variety of issues, including failing to respond to borrower requests for loan modifications, not making a good-faith effort to prevent foreclosures and not having compliance systems in place. The punishment for these infractions was harsh: Wells Fargo and HSBC Holdings are prohibited from acquiring mortgage servicing rights, entering into new servicing contracts or offshoring servicing activity until the consent orders are terminated.