A banking system that has Congress so far in its pocket that it persuaded Congress to threaten FASB in open Congressional hearings this spring if they did not change accounting standards to effectively legalize accounting fraud through "mark to make-believe."  This scam that Congress shoved down everyone's throat at the behest of the banking lobby continues to this day.

A banking system that has Congress, The SEC, OTS and OCC so far in its pocket that despite over eighty examples of hard proof of falsely-inflated asset valuations and willful misfeasance by OTS and OCC in seizing insolvent banks before they result in FDIC loss the willful blindness continues to this day, causing the FDIC to teeter on the edge of running out of cash and begging the obvious question: Are all the large banks as far beyond insolvent as these regional and local banks have been proved to be once seized?

A blatantly-corrupt OTS (banking regulatory body) that was caught conspiring with IndyMac to "backdate" deposits so as to falsely present a better financial picture than really existed at the time.  The person at OTS involved had previously been caught doing the same thing during the S&L crisis BUT WAS NOT FIRED AND BARRED FROM FUTURE BANKING REGULATORY WORK!  Nobody has been indicted in connection with this outrageous "in your face" fraud.  Worse, the OIG's office said there were other examples - but refused to name them; are those institutions still operating?