This is one reason I like O'Malley

[Andy823]

http://martinomalley.com/2015/03/20/prevent-another-crash-reform-wall-street/

Structural reforms aren’t enough. We must bring fundamental change to the culture of Wall Street, beginning with real accountability. To this day, the Justice Department and financial regulators have done virtually nothing to bring criminal charges or hold leadership accountable. Legal deterrents are critical for improving the culture of Wall Street and showing that fraudulent behavior will be punished. We can solve this problem in a few ways. The first is to replace the leadership at banks that are repeat offenders. CEOs should not remain in charge of institutions that they have failed to manage properly. Second, we must appoint people to positions — attorney general and SEC chair for starters — who will prosecute those who commit or permit crimes. Thus far, settlements have been nothing more than CEOs using shareholder money to buy their way out of jail.

The part I put in bold pretty much says it all. The only way to stop what is happening is to prosecute those in charge, not just give out fines which do nothing to stop what they are doing on Wall Street.