ALBANY, N.Y. (AP) — New York regulators reached settlements Thursday with QBE requiring $10 million in civil penalties and revised practices for insuring troubled mortgage loans.

The Department of Financial Services said the agreements also call for restitution to homeowners erroneously charged for or driven into default by force-placed insurance. Those policies are obtained by lenders when homeowners fail to maintain coverage required by the mortgage, often because they are in financial trouble.