I'm surprised that this issue hasn't gotten more press since it's currently being investigated by states attorneys general across the country. It's even happening to members of the military. This issue is particularly heinous in my opinion because the banks are seeking broad immunity from lawsuits if found to be guilty. What else would that immunity accomplish other then to embolden more illegal activity in the future if the banks no that they can continue to get away with illegal acts again and again. I'll tell you what. Why don't you commit a crime just to test the system. See if you can get immunity from prosecution or from lawsuits associated with your crime.