Business_Finance

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** FILE ** In this Thursday, Dec. 20, 2012, photo, a sign hangs in North Andover, Mass., where an existing home is for sale. Average U.S. rates on fixed mortgages moved closer to their record lows this week, a trend that has made home buying more affordable and helped sustain a housing recovery. (AP Photo/Elise Amendola)

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Richard Cordray, director of the Consumer Financial Protection Bureau, announced "the true essence of responsible lending." (Associated Press)

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**FILE** Health workers protest outside a hospital in Pamplona, Spain, on Jan. 8, 2013, against austerity measures. Spain Treasury says it plans to borrow some euro 230 billion ($300 billion) in 2013, down from euro 250 billion last year, and expects a more relaxed year in interest rates compared to 2012 when it came close to seeking a sovereign bailout. (Associated Press)

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People pass the AIG building, in New York, Tuesday, Jan. 8, 2013. American International Group Inc. said Tuesday its board of directors will weigh whether to take part in a shareholder lawsuit against the U.S. over the government's $182 billion bailout of the insurer. (AP Photo/Richard Drew)

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**FILE** Virginia Gov. Bob McDonnell gestures as he talks Jan. 8, 2012, about eliminating the state gasoline tax in return for an increase in the state sales tax to fund transportation needs. At left is Virginia Secretary of Transportation Sean T. Connaughton. (Associated Press)

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Specialist Patrick King (second from left) works on the floor of the New York Stock Exchange on Jan. 8, 2013. (Associated Press)

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**FILE** Chet Kanojia, founder and CEO of Aereo, Inc., gives a tour of the company's technology floor in New York on Dec. 20, 2012. Aereo is one of several startups created to deliver traditional media over the Internet without licensing agreements. Past efforts have typically been rejected by courts as copyright violations. In Aereo's case, the judge accepted the company's legal reasoning, but with reluctance. (Associated Press)