Ally Financial (GJM) said in its fourth quarter statement Tuesday that it has corrected roughly 90% of the approximately 25,000 foreclosure affidavits employees signed and filed improperly. The bank earned $79 million during the fourth quarter. But it proved to be a period of corrections for the lender. Along with a multi-million dollar settlement with Fannie Mae over representations and warranties, the bank began correcting affidavits signed en masse and without a review of the documentation as required by law in 23 states. Ally said all but 2,548 affidavits in three states have been remediated or re-executed. The bank did not disclose which states exactly, but added the delay was due to stricter foreclosure processes in those areas. "As each of the files were addressed and deemed to be appropriate, the foreclosure process for those select cases continued to move forward," Ally said. "The company has not found any evidence of inappropriate foreclosures in its review process to date related to the affidavit matter." But the cleanup at Ally and other lenders has not stopped regulators from starting down the path of a national servicing standard or the Iowa Attorney General Tom Miller from pursuing a settlement for homeowners. "It is time for government and industry to reach an agreement," said Federal Deposit Insurance Corp. Chairman Sheila Bair at a Mortgage Bankers Association summit in January. "We cannot afford to wait for Congress to take action on this issue. Regulators and Attorneys General need to work together now to create strong servicing standards for the future. Otherwise, we will have missed a historic opportunity." Write to Jon Prior. Follow him on Twitter: @JonAPrior