> Its the fact they don't prevent criminal / unethical behaviors beforehand, and banks get away with alot before anyone intervenes. A better example is the IRS

> Its the fact they don't prevent criminal / unethical behaviors beforehand, and banks get away with alot before anyone intervenes. A better example is the IRS with a double standard of overzealous enforcement against individuals and small business who cannot defend themselves and complete non-enforcement against higher tiers of wealthy. In the case of the SEC or FDIC, this has resulted in the near elimination of smaller fish aside from protective carveouts like the Durbin Exempt Interchange.