``A spokesman for Wells Fargo, the nation's largest mortgage servicer, denied the allegations. He said the manual excludes details of the bank's internal procedures and checkpoints, which would demonstrate that the bank has not engaged in any misconduct..

"Wells Fargo's foreclosure processes -- today and back in 2012 -- are appropriate [and] legal. To allege otherwise is simply misrepresenting the facts," said the spokesman.

"Wells Fargo's Foreclosure Attorney Procedures Manual provides guidelines for outside attorneys to be compliant with state and regulatory requirements."''

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