Unfortunately the fines imposed in society for most aggregrious acts is so pathetically "small" ($200 million) that they are perceived in the business strategy as a cost of doing business (overhead)--no different than advertising, telephones, and office products.
This, really, is no different that the Columbian drug cartel losing 50 or 100 loads of cocaine a year---Oh Well! There is a little attrition in every war.
But the bottom line still looks real good!
Some folks need to go to jail. No color TV's, no ping pong. And they should be given a "senior" roommate.
A lot of this was due to the Associates flipping homeowners to the point that they owed more on the home than it was worth. The fine should have been greater, IMHO. After all, the assets that Citifinancial purchased were obtained by, in large amount, through mortgage fraud.