homeowners, and some of the most abusive practices of the mortgage industry. and begin to turn the page on an an era of recklessness that has left much damage in its wake. >> shepard: the settlement $25 billion. it involves five of the nation's largest mortgage lenders. under this agreement, the institutions will have to reduce loans for nearly 1 million households. send out $2,000 checks to about 750,000 victims of improper foreclosures. and pay billions for other programs intended to help every day homeowners. 49 states are taking part in this. the only holdout is oklahoma. it reached a separate agreement. overall, this is the largest settlement with a single industry since the 1998 tobacco deal. however, tonight some critics are saying it just doesn't go far enough. the fox business network's peter barnes is with us live at the white house tonight. peter, tell us about what this deal is lacking. >> well, shep, it covers only