 As Chairman, the FTC filed more than 40 law enforcement actions to stop scams that prey on consumers suffering from the economic downturn, such as foreclosure "rescue" and mortgage modification schemes, phony debt-reduction and credit-repair services, bogus government grant opportunities, job scams, and get-rich quick frauds.In one of the largest judgments imposed in an FTC case, Countrywide settled for $108 million with the FTC in June 2010 for collecting excessive fees from cash-strapped borrowers who were struggling to keep their homes.In 2011, the FTC mailed 450,177 refund checks to homeowners who were allegedly overcharged by Countrywide.