Dear Senator Brown (Sherrod) –
The behavior is not going to change until you confiscate, rescind and destroy the patented software programs that all the banks have integrated into their businesses. From the 1003 loan application to the sale of the foreclosed home – the entire system is seamlessly automated.
You can’t expect business to change until you destroy the system the banks are using. Sherrod, you are one of the brightest politicians we have in DC – do you not understand what is truly happening here? We’re not dealing with human bankers’ errors – the massive patented (in the USPTO) scheme is controlled by computers. The entire system is patented so that anything that even resembles a mortgage loan is violating somebody’s patent that all the banks share or have licensed for use. Maybe it’s a little like anti-trust without regulations?!
Banking Committee member Sherrod Brown wants to know whether banks changed any behavior after penalties
A powerful Democratic senator has launched an inquiry into bank misconduct, asking top financial institutions to turn over information about the settlements they have entered into with federal agencies over the past decade. Sherrod Brown of Ohio, the top Democrat on the Senate Banking Committee, asked banks in a letter dated Sept. 30 to to provide details of any “legally enforceable judgment, agreement, settlement, decree or order dated January 1, 2005 to the present,†involving 15 federal agencies including the Department of Justice, the Federal Reserve, the Securities and Exchange Commission, and several Treasury Department units. The inquiry could add fuel to growing criticism by lawmakers and others that such settlements have failed to deter repeated bank misbehavior.
Deadly Clear 
The minions sit in front of the computers – the software runs the operation. You should bother to read a stack of the patents and you’d better understand people are not the problem. The software is running the businesses… Not the people. People don’t even do the trading anymore.