Individuals who blew the whistle on a mortgage fraud scheme that ended up costing JPMorgan Chase (JPM) $296 million in fines have about three months to prove that their information helped lead to the settlement with federal regulators.

JPMorgan Chase agreed to pay the fines to resolve allegations that it and Bear Stearns, which it acquired in 2008, misled investors about the quality of mortgage-backed securities they sold during the run-up to the financial crisis.

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