Article Photos: Banks prepare for earnings; mortgages cast a pall 1/1

FILE - In this May 14, 2012, file photo, people arrive at JPMorgan Chase headquarters in New York. Legal troubles and regulatory scuffles keep piling up for the banking industry, a fact that's sure to drag down results when the banks start reporting fourth-quarter earnings beginning Friday, Jan. 11, 2013. (AP Photo/Mark Lennihan, File)