Fifth Third Bank must pay a total of more than $21 million to settle separate claims by the federal government that the bank's indirect auto-loan business discriminated against African-Americans and that the bank deceptively signed up customers for a credit card add-on product.

The auto lending enforcement actions, issued by the Consumer Financial Protection Bureau and Department of Justice, allege that Fifth Third gave auto dealers too much leeway to use their discretion to boost interest rates — known as "dealer markups" — for reasons other than credit quality.

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