The government no longer files criminal charges.
They file civil charges. That way they can extort some money out of the bankers, the bankers will pay, and then the government can beat on their chests and announce that they are doing their jobs. In case you were wondering, nobody other than the kleptocracy gets a cut of the dough. This isn't about victims.
The rule of law and restorative justice are vague terms, concepts, that are no longer useful. Here then is the latest installment of thieves getting ripped off by the kleptocracy. Indymac style. http://www.allamericanindex.com/headlines/story.php?id=955786