I have not seen it on the interwebs yet, but am told one of the big boys has received a "Sat" rather than the big "O" on CRA through 2010.
This bank had been outstanding since 1997. Mortgage lending had some issues, one being robo dialing.....
The regulators are getting tougher......
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Societies that do not find work in and of itself "pleasing to God and requisite to Man," tend to be highly corrupt.