No, these loans involved actual fraud. It's more like Toyota removed every form of safety testing from their manufacturing process and changed it to a 'wave at

No, these loans involved actual fraud. It's more like Toyota removed every form of safety testing from their manufacturing process and changed it to a 'wave at the foreman if this car has any defects' policy. The specific lies would be from factory workers who were told that they needed to produce x cars per day and that saying a car has a defect will get them fired, but the bigger lie is Toyota selling millions of cars knowing that they were labelling all of them as roadworthy but hadn't even attempted to verify that (and that it was literally impossible for the workers to have verified it when they had one guy testing the brakes on 500 cars per day). But that would probably actually be prosecuted because it's easy for people to understand 'Toyota lied about having verified their cars were safe!' and hard for people to understand 'Countrywide lied about having adequate underwriting practices to ensure that their loans were valid!'.