Bank of America to Create Troubled Loans Unit

Bank of America said Friday that it would create a unit to handle 1.3 million soured mortgages as Brian T. Moynihan, the bank’s chief executive, tried to distance the company from the fallout of the mortgage crisis.

The entity, known as Legacy Asset Servicing, will become the repository for tens of billions of dollars in troubled assets, including many subprime products that are no longer offered by Bank of America but continue to hang over the company.

Most of the loans were picked up when Bank of America bought Countrywide Financial in 2008.

Legacy Asset Servicing will also lead the handling of home loans in default, including initiating foreclosure proceedings, and deal with billions of dollars in claims by investors seeking to force Bank of America to buy back bad mortgages.

About 12 million healthy mortgages will remain with Bank of America’s home loan division, while the troubled loans in the Legacy Asset Servicing unit are gradually wound down.

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