mortgage American consumers are vastly under-educated about the mortgage process, according to a new survey from Fannie Mae. From having unrealistic assumptions regarding credit score, down payments and income.

The Office of the special inspector general for the troubled asset relief Program (SIGTARP) is a federal law enforcement agency and an independent audit watchdog that targets financial institution crime and other fraud, waste, and abuse related to TARP.

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The "too big to fail" problem pre-dated TARP, and to the extent that bailouts were necessary, a temporary worsening of the problem to some degree was probably unavoidable. Nevertheless, TARP’s most significant legacy may be the exacerbation of the problems posed by "too big to

SIGTARP Proves That Some Bankers Aren’t Too Big to Jail (by Danielle Douglas, Washington Post) Treasury Dept. Fails to Implement Two-Thirds of Post-Bailout Recommendations (by Noel Brinkerhoff and David Wallechinsky, AllGov)

SIGTARP, with over 160 employees and a 2012 budget of $41.8 million, has the resources and authority to pore over the books and records of any bank that applied for or received funds through the Tarp program and to investigate any possible crimes affecting the institution.

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Why have so few bankers gone to jail for their part in the crisis?. including the bosses of Iceland’s other two big banks. In Spain the behaviour of some 90 former bank executives and board.

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BankThink SIGTARP Scrutiny Goes Beyond Tarp Matters. The charges stemming from SIGTARP’s investigation of Omni National Bank in Atlanta, Georgia demonstrate how a seemingly tenuous connection to the alleged criminal activity can land a bank’s highest executives in the midst of a criminal investigation.