TCF Financial Corp. (TCB) ended the suspense over its third-quarter results Friday — and the reason behind it was costly.

The Wayzata, Minn., bank on Friday took a net after-tax charge of $20.6 million, or 13 cents per common share, as a result of new regulatory guidance involving homeowners who have been through bankruptcy. TCF had delayed its announcement by a week to take more time to figure the impact of the regulatory directive, which has battered other banks.

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