Consumer advocates doubt the effectiveness of an $8.5 billion settlement between federal regulators and major lenders to resolve claims of foreclosure abuses. Details of the agreement remain vague, and the amount of money will be minimal once distributed to millions of people, according to the consumer advocates. Under the settlement, 10 lenders will pay $3.3 billion directly to 3.8 million borrowers who underwent foreclosure in 2009 and 2010. The remaining $5.2 billion will be used for mortgage workouts and other measures to help people who are in danger of losing their homes. "We're terribly concerned that people are not going to get reimbursed at the level which they were led to believe would happen," said Maeve Elise Brown, executive director of Housing & Economic Rights Advocates, an Oakland, Calif., nonprofit. "It is not clear what remediation (path) will be followed."