There is plenty of evidence to conclude that fines and DPA don't work to change behavior. From my perspective, the only thing that stands a chance of affecting

There is plenty of evidence to conclude that fines and DPA don't work to change behavior. From my perspective, the only thing that stands a chance of affecting bank's (and other large corporation's) conduct is jail-time for executives. By all means put the little guys away who pushed the buttons, but make sure some higher ups also go to jail because ultimately they are responsible for the conduct of their business unit. Also, Congress should put together a law which forbids use of fines/sanctions as tax write offs. Not only are the fines not big enough, but they reduce taxable income! IIRC the Bank of America fines last year were used to write off hundreds of millions of dollars. It's inconceivable how corrupt the whole system has become.