Sacramento Bee, Los Angeles Daily News, and Los Angeles Times endorsed her for re-election. On November 4, 2014, Harris was re-elected against Republican Ronald Gold, winning 57.5 percent of the vote to 42.5 percent. Consumer protection Fraud, waste, and abuse In 2011, Harris announced the creation of the Mortgage Fraud Strike Force in the wake of the 2010 United States foreclosure crisis. That same year, Harris obtained two of the largest recoveries in the history of California's False Claims Act$241million from Quest Diagnostics and then $323million from the SCAN healthcare networkover excess state Medi-Cal and federal Medicare payments. In 2012, Harris leveraged California's economic clout to obtain better terms in the National Mortgage Settlement against the nation's five largest mortgage servicersJPMorgan Chase, Bank of America, Wells Fargo, Citigroup and Ally Bank. The mortgage firms were accused of illegally foreclosing on homeowners. After dismissing an initial offer of $2–4billion in relief for Californians, Harris withdrew from negotiations. The offer eventually was increased to $18.4billion in debt relief and $2billion in other financial assistance for California homeowners. Harris worked with Assembly speaker John Pérez and Senate president pro tem Darrell Steinberg in 2013 to introduce the Homeowner Bill of Rights, considered one of the strongest protections nationwide against aggressive foreclosure tactics. The Homeowner Bill of Rights banned the practices of "dual-tracking" (processing a modification and foreclosure at the same time) and robo-signing and provided homeowners with a single point of contact at their lending institution. Harris achieved multiple nine-figure settlements for California homeowners under the bill mostly for robo-signing and dual-track abuses, as well as prosecuting instances in which loan processors failed to promptly credit mortgage payments, miscalculated interest rates, and charged borrowers improper fees. Harris secured hundreds of millions in relief, including $268million from Ocwen Financial Corporation, $470million from HSBC, and $550million from SunTrust Banks. From 2013 to 2015, Harris pursued financial recoveries for California's public employee and teacher's pensions, CalPERS and CalSTRS against various financial giants for misrepresentation in the sale of mortgage-backed securities. She secured multiple nine-figure recoveries for the state pensions, recovering about $193million from Citigroup, $210million from S&P, $300million from JP Morgan Chase, and over half a billion from Bank of America. In 2013, Harris declined to authorize a civil complaint drafted by state investigators who accused OneWest Bank, owned by an investment group headed by future U.S. treasury secretary Steven Mnuchin (then a private citizen), of