
"Three of the nation's largest banks said Friday that they expect to be sanctioned by the U.S. government for their foreclosure practices, securities filings show.
The disclosures come on the heels of reports federal regulators are nearing a multi-billion dollar deal to settle allegations that the biggest banks abused borrowers and illegally foreclosed on homes."
http://www.huffingtonpost.com/2011/02/25/banks-expect-penalties-foreclosure-probe_n_828552.html
Behaviorally speaking is this punishment?
Behaviorally speaking do you think this punishment will be effective?
Do you think the government could use differential reinforcement instead?