Foreclosure fraud is a pervasive and industry-wide problem, so other servicers beyond the big 5 would eventually get sanctioned in some way. The biggest three made up over 46% of the mortgage servicing market by the end of 2011, and no other servicer controls more than 5%. But that’s still roughly 40%-45% not covered by the settlement, so the Federal Reserve plans to slap their wrists and perhaps nudge them under the settlement.