The S.E.C. Should Copy the D.M.V. - NYTimes.com:
"THE S.E.C. and other federal regulators have levied over $125 billion in penalties on Wall Street since the global financial crisis of 2008. Yet few believe that these fines are enough to change behavior. For the largest financial institutions, a multibillion-dollar penalty can amount to a speeding ticket — another cost of doing business. Repeat offenders are the real problem, and financial penalties alone are no longer an effective deterrent."
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