[Kartographer]

"But the restitution process doesn’t happen overnight and can throw a person into bankruptcy."

There's been any number of these cases and unless the person has deep pockets the Bank has them and they can delay the process as long as they wish to make sure the settlement is equitable to them. The other thing in common is almost all of these settlements are sealed to keep them quite.

[HiTech RedNeck]

Ultimately, does “the bank” (actually the high muckety mucks) want to be an ass about it.

In the long term it will still bite them.