Wells Fargo (WFC 0.46%), Bank of America (BAC 0.20%), and JPMorgan Chase (JPM 0.68%) have all been forking money over to the FHFA, the conservator for Fannie Mae and Freddie Mac. With reports claiming that Wells Fargo's latest payout is significantly less than JPMorgan's, is the San Francisco-based bank getting off easy? In this segment of The Motley Fool's financials-focused show, Where the Money Is, banking analysts Matt Koppenheffer and David Hanson discuss the long-term meaning of this settlement.