This week the US Senate voted to deny judges the ability to adjust home mortgages in foreclosure. The Durbin Amendment, strongly opposed by the banking industry, would have given up to 1,700,000 working-class people the chance to stay in their homes. One part of the bill that passed was a "safe harbor" provision that would reduce liability for predatory and fraudulent lenders.
As Clarence Darrow remarked, "the law does not pretend to punish everything that is dishonest. That would seriously interfere with business."