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{Lender|Standard bank|Loan company} of America (abbreviated as BoA or BofA) is an American multinational {bank|savings|consumer banking} and financial services {company|organization|firm} headquartered in Charlotte, North Carolina. It is the second {most significant|major} bank {keeping|having|possessing} company in the {Usa|Combined|Unified} States by assets. {Since|By} 2016, Bank of America is the 26th {most significant|major} company in the {Usa|Combined|Unified} States by total {income|earnings}. In 2016, Forbes {outlined|detailed|shown} Bank of America as the eleventh {most significant|major} company in the world
{Lender|Standard bank|Loan company} of America provides {the|their|it is} products and services through operating 5, 100 {financial|bank} centers, 16, 300 ATMs, call centers, and online and mobile banking {systems|programs|websites}. Its Consumer {Real-estate|Real estate property|Property} {Companies|Service|Sites} segment offers consumer real estate products comprising {set|preset|predetermined} and adjustable-rate first-lien {home loan|mortgage loan} loans for home purchase and refinancing needs, home equity lines of credit, and home equity financial loans.
The bank's 2008 {purchase|buy|obtain} of Merrill Lynch made Bank of America the world's {most significant|major} wealth management corporation and a major player in the investment banking market. According to the Scorpio Partnership Global Private Banking Benchmark 2014 it had assets under management (AuM) of US$1, 866. 6 Bn, {a rise|a boost|a growth} of 12. 5% on 2013.
The company {kept|placed|organised} 12. 2% of all bank deposits in the United States in {Aug|September|July} 2009, {and it is|and is also|which is} one of the Big Four {banking institutions|financial institutions|banking companies} in the United {Says|Declares|Claims}, along with Citigroup, JPMorgan Chase and Wells Fargo--its main competitors. Bank of America operates--but does not necessarily maintain retail branches--in all 50 states of the United States, the District of Columbia and more than 40 other countries. It has a retail banking footprint that serves approximately 50 {mil|, 000, 000} consumer and small business relationships at 5, 151 banking centers and {sixteen|of sixteen|18}, 259 automated teller machines (ATMs).
Bank of America has been the subject matter of several lawsuits and investigations regarding both {home loans|mortgage loans|loans} and financial disclosures {online dating|internet dating|going out with} back to the financial crisis, together with a record settlement of $16. 65 billion on {Aug|September|July} 21, 2014
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