The state and federal overseers of the National Mortgage Settlement, known as the Monitoring Committee, have declined to take additional enforcement action against Bank of America and Wells Fargo, rejecting a request by New York Attorney General Eric Schneiderman to apply expanded civil penalties for servicing violations.

The nation’s top housing official said more banks in coming weeks will join the original five as part of the historic settlement. In another development, talks are underway to strengthen new rules against “dual tracking” — the practice of foreclosing on homeowners who are trying to negotiate a mortgage reduction plan.