Ulster Bank has been fined €37.7 million by the Central Bank over its role in the tracker mortgage scandal.
It's the largest fine ever given by the Central Bank.
Nearly 6,000 customers wrongly lost tracker mortgages, and 43 properties were lost, including 29 family homes.
The Central Bank also said that after the scandal began to emerge, Ulster had a deliberate strategy not to give some customers the correct tracker rate unless the customer actually complained.
Derville Rowland from the Central Bank says the bank tried to avoid putting some people back on the correct rate when complaints emerged.
"Instead of taking the opportunity to fix the problem and redress all of their customers, which is precisely what we expect them to do, they did the opposite," she said.
"They devised and implemented a deliberate strategy not to provide those customers with their correct tracker mortgage entitlements."