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First National Bank of Omaha will pay more than $35 million in reimbursements and civil fines after federal regulators determined some of the bank’s products unfairly or deceptively enrolled and charged customers for products they did not receive.

The bank has not sold any of the products in regulators’ sights since 2012. Two of them had been sold to customers since 1997. In all, the bank will reimburse approximately 257,000 customers for a total of $27.75 million.

It must also pay civil fines of $7.5 million.

The enforcement actions were handed down by the Consumer Financial Protection Bureau and the bank’s main regulator, the Office of the Comptroller of the Currency.

The protection bureau enforcement action found, among other things, that the bank obscured its sales pitch, “distracted consumers into making a purchase” and made it difficult for customers to cancel such services.

First National told The World-Herald that its oversight of the products “was lacking.”