Why was no one prosecuted for contributing to the financial crisis?

Posted by freedomforall 9 years, 1 month ago to Business
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Excerpt:
The FCIC was set up to investigate the causes of the financial crisis. The commission didn’t have either the authority or the resources to do a criminal investigation. But as the documents show, a number of matters—involving Goldman Sachs, AIG, Merrill Lynch, Citigroup and Fannie Mae—were referred to the Attorney General. No criminal prosecutions arose from any of those. (In Citigroup’s case, the SEC settled with the company and two executives in the fall of 2010 for a paltry sum. The Commission drily noted, “The SEC’s civil settlement ignores the executives running the company and Board members responsible for overseeing it. Indeed, by naming only the CFO and the head of investor relations, the SEC appears to pin blame on those who speak a company’s line, rather than those responsible for writing it.”)


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  • Posted by $ blarman 9 years, 1 month ago in reply to this comment.
    While I mostly agree with you, one thing that I am considering highly is the level of responsibility one must take for their actions. Rational decisions are made when a person must take 100% responsibility for the consequences of one's actions. When people are being enabled to abandon rational decision-making by virtue of not having a significant responsibility for consequences, people are much less likely to engage in rational thinking. Risk must come with significant consequences to be meaningful and there is no discipline in which risk is an more ever-present consideration than in financing. I agree that the alterations to the rules enabled by the Federal Government encouraged extreme risk-taking. What I can't agree to is the notion that these financial entities were forced to make these risky investment decisions.
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  • Posted by jhagen 9 years, 1 month ago in reply to this comment.
    I find it significantly more difficult to assess blame to the people who's livelihood depends on them finding a way to follow the rules that are forced upon them. It's easy to say, "Hey, if you don't like these rules, and their direct consequences, just get a different job." It's not so easy to actually to switch career paths - very costly in time and money.
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  • Posted by $ blarman 9 years, 1 month ago in reply to this comment.
    I would not hold the financial industries blameless, however. Remember, many of them use Fanny and Freddy to conveniently absolve themselves of risky mortgages because they immediately sell such mortgages after completing the paperwork, leaving it up to some other financial organization to bear the risk for their decisions (more particularly the taxpayer).

    I also would not hold the financial industries blameless for Frank-Dodd. They were silent fans of that deregulation which allowed them to legally buy and sell their own derivative products. Frank-Dodd just made it legal to risk their depositors' moneys in speculation while creating a mechanism to encourage them to take risks by signing on the taxpayers as a guarantor in the (inevitable) event that the speculation incurred losses.

    There was plenty of blame to go around and not nearly enough responsibility.
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  • Posted by $ WilliamShipley 9 years, 1 month ago in reply to this comment.
    I was just making an observation about reality. When you have such complex cases it can take many years and the perusal of thousands of pages of documents and emails to determine criminal culpability. As a practical matter it's very difficult to prove that a specific individual made a specific act that violated a specific regulation.
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  • Posted by 9 years, 1 month ago in reply to this comment.
    '
    1. Fines benefit no one and encourage the looters.
    2. Fines against a banking cartel that can print fiat from nothing with little restriction, enforcement, or transparency is not punishment.
    Individuals who are at fault through actions (even legal but unethiclal) must be punished in a way they feel the pain of their prey.
    To paraphrase Valentine in Trading Places, "it occurs to me that the best way you hurt rich people is by turning them into poor people."
    Ideally, this should also include restitution to those harmed and be done voluntarily by the companies who caused the harm. (That last part will not happen by the utterly corrupt unethical bankster cartel.)
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  • Posted by $ MichaelAarethun 9 years, 1 month ago
    Question Two: Besides not getting prosecuted for criminal activities whose going to get re-elected? Dodd and Franck cut and ran with the loot. Reid is getting ready to do the same apparently. That leaves Pelosi.. 'scuse me Benita Pelosillyni and all the Congressionals who supported them in that phase of the Cycle of Economic Repression.

    They have three fine candidates for the left this go round. Clinton, Trump, and Sanders.
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  • Posted by Esceptico 9 years, 1 month ago in reply to this comment.
    Well, we certainly would not want to strain the abilities of the prosecutors and police when they can better spend their incompetent time arresting for drug offenses to forfeit assets,and the stealing of hub caps. No point in complex cases, or even murder (which has a national unsolved rate of about 70%).
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  • Posted by jhagen 9 years, 1 month ago in reply to this comment.
    This is something that needs to brought up and stressed whenever anyone brings up this topic. It's amazing how easily the average person blames the financial industry (which I was fully immersed in at the time) for following the laws of the land - as if the finance industry had a choice. I'm also amazed at how Clinton and Frank came through unscathed. The political overlords can pass any obviously problematic law they want and suffer no consequences. Very frustrating. Almost as frustrating as people STILL trying to blame us poor saps who had to follow the stupid laws.
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  • Posted by FelixORiley 9 years, 1 month ago
    1977 Community Reinvestment Act forced banks to take higher risk chances on questionable mortgage loan applicants Clinton reinforced the act when the banks sent up warning flags, Frank continued the charade to manipulate the people. W raised the concern (3) times. Frank balked. Inevitable correction happened
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  • Posted by $ allosaur 9 years, 1 month ago
    I came away with two cynical revelations in the wake of the 2008 crash.
    There are (1) corporate giants allegedly "too big to fail" and (2) a more than equal elite too special to jail.
    I'm quaint enough to add that #1 has nothing to do with our Constitutional government, where ever that faded off to.
    #2 was created by the cronyism kinda things that created #1..
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  • Posted by $ blarman 9 years, 1 month ago
    Because then they would have to put responsibility back on the government - in particular Bill Clinton and Barney Frank - for the policies and lack of oversight that instigated the mess in the first place.
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  • Posted by $ MichaelAarethun 9 years, 1 month ago
    One real good reason was it involved too many Congressionals and at least three Presidents.

    Chief among them Senator Thomas Dodd and Representative Barney Franck with the approval of Representative Nancy Pelosi and others from what is supposed to be both sides of the aisle but isn't any more. They were the chief architechts and supporters of the subprimes under the theory that everyone deserves a home and the government would back the mortgages through F. Mac and Fannie Mae. While the whole thing was blowing up in their faces the FM and FM Directors or whatever were drawing huge bonus money. Later on when it crashed the congress and the Pres decided to change the rules for banks involved as how to evaluate properties with sub sub sub prime former credit rating buyers which sunk a lot of the little banks who bought into that sort of thing.

    Instead of being prosecuted they made a movie and the main political perpetrators were cast as hero's Statists = Corporatists etc etc. came out on top.

    The whole thing stunk like rotten fish added to a manure pile.
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  • Posted by mia767ca 9 years, 1 month ago
    let's get to the heart of the matter...the Fed and the Executive Branch, and most of the Supreme Court...let's start with putting Greenspan, Bernanke, & Yellen in jail, along with both pres Bushes, Clinton, and Obama...Roberts and a few other Supremes...once we know the shareholders of the Fed...arrest them...then appoint an independent authority...Atlas Society leaders...to sort it out...
    serve notice that if you defraud American citizens, you will pay for the rest of your life...
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  • Posted by ajsenti 9 years, 1 month ago
    We suffer from far too much concentration of both political and financial power. Acceleration of sub-prime mortgages issuance brought by the post-2006 Congress pushed markets into near collapse given their flawed valuations. We've forgotten just how badly we've been skewered after 8-years. Most of my life, real estate had been the most secure store of wealth for the average American. The political encouragement of illegal immigration is now convenient cover, a distraction serving to divide us philosophically while pouring salt on our wounds. We don't need a wall; we need the will. We don't need outsiders; we need government not composed of financial insiders. Or, we can keep on taking what they dish out.
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  • Posted by CircuitGuy 9 years, 1 month ago
    Is the premise true? I thought many people involved in fraud associated with the financial crisis went to jail. Does anyone know if this is true? I thought it was only people who were involved in fraud though. People didn't go to jail for making risky or bad financial decisions.
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  • Posted by coaldigger 9 years, 1 month ago
    Because there were government regulators involved in every act of the crony perpetrators. The fox went to check on the chickens and found no evidence of anything amiss.
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  • Posted by $ jbrenner 9 years, 1 month ago
    Move along. Nothing to see here. Oh, BTW, the area under that rug is getting pretty dirty.
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  • Posted by $ WilliamShipley 9 years, 1 month ago
    To criminally prosecute individuals in such a complex case would be a formidable task. It's far easier to get a settlement than try to prove than an individual actually committed a criminal act.
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