Subprime servicers have apparently learned some important lessons from the missteps of two of the industry’s largest players – Fairbanks Capital Corp., now known as Select Portfolio Servicing, and Ocwen Financial. In a settlement with the Federal Trade Commission last year, Fairbanks agreed to pay $40 million and make changes to its business practices to put to rest claims that, among other things, it mismanaged payments, charged bogus or inflated fees, acted too aggressively