If any complaining about this sort of thing were to happen it would be steered to the civil courts. This avenue is way too problematic and expensive(not just for this but for all kinds of questionable activity), so it’s a free for all.
Like I said I am not judging anyone. Whoever posted that the banks have it coming won’t get any argument from me. However the sheer dysfunction, as with that of the bubble and othercauses and ramifications of it is sickening.