The Citigroup Financial Services Conference will continue on Thursday. Bank of America ( BAC) is scheduled to present at 11:10 a.m. A whistleblower said Bank of America defrauded the federal HAMP program, preventing some homeowners from receiving loan modifications to minimize losses, but allowing just enough to continue availing of financial incentives, Reuters reported, citing a complaint unsealed on Wednesday. Comerica ( CMA), U.S. Bancorp ( USB), Blackstone ( BX), PNC Financial Services ( PNC) and M&T Bank ( MTB) are some of the big banks that will be presenting on Thursday. On Wednesday, Citigroup CEO Vikram Pandit said he remained confident that the bank would be able to begin returning more capital to shareholders in 2012. He also spoke in favor of Dodd Frank regulations and called for more uniform standards of disclosure.