Absolutely. 190M fine is a slap on the hand. Prosecute the guilty and force the banks to foot the bill to cover damages with interest for their own criminality. Treat them like the average American gets treated for failure to remit.
Exactly, this is embezzlement, identity theft, credit card and banking fraud, and Racketeering (throw the last one in just for fun). Not only should there be class action lawsuits, there should be arrests on a large scale.
5 is rogue employees, 5300 is a business practice