FILE - This march 7, 2012 file photo shows New York Financial Superintendent Benjamin Lawsky speaks in Albany, N.Y. New Yorkâs top financial regulator is investigating whether the nationâs largest overseer of troubled mortgages, Ocwen Financial Corp., is overcharging struggling homeowners on insurance. In a letter Monday, New York Financial Superintendent Benjamin Lawsky said Ocwen created complex business arrangements to funnel as much as $65 million to Altisource Portfolio Solutions S.A., a company led by former Ocwen executives, and partially owned by Ocwenâs executive chairman, William Erbey.  (AP Photo/Mike Groll, File) Photo: Mike Groll, STF / AP