01/14/2009
https://www.congress.gov...
"given past commitments that have not been kept that the bank has a heavy burden of proof that they mean what they say"
"My own belief is that part of the reason has been a culture, but the other part is that there has been just a lack of accountability."
"Well, these words are the benefit of hindsight. Given what you knew then, should you not have taken enforcement action?"
"No."