There’s a much deeper problem here, however, and one that has received far less attention:
Not only has the Department of Justice (DOJ) failed to build any criminal cases for financial-crisis misdeeds, but it’s also now settling with these banks without even filing civil complaints.
A complaint is the cornerstone of civil litigation, the foundation for even routine lawsuits.
One of its primary benefits—and of adversarial legal proceedings generally—is that a complaint can bring huge amounts of previously undisclosed information into the public record. more> http://tinyurl.com/paqp7yc