I think the record is pretty good for banks switching behaviour after being fined for a specific failing. They do know that if they get caught doing the exact s

I think the record is pretty good for banks switching behaviour after being fined for a specific failing. They do know that if they get caught doing the exact same thing again, the punishment will be more costly. It's far cheaper (and more deniable) to find a slightly different way round the regulations, see if/when you get fined for that, then move on to something else again...