As illustrated in a recent PBS Independent Lens called “A Bank too Small to Fail”, even though the profiled bank was the only bank indicted during the Mortgage Crisis from 2008-2013, only 9 mortgages were bad. That was 9 out of several thousand. A few bank employees were fired, but the bank had all of the proper paperwork for the mortgages. No bank officers or owners went to jail. The jury found that the bank and its owners/officers were not complicit in the fraud scheme, but it did uncover a few employees you were committing fraud.