>> the department of justice proudly announced the bank agreed to pay total of $1.9 billion, which was a record fine. it amounted to five weeks worth of income for the bank and no criminal charges were announced. a decision attributed to concerns that charges could jeopardize the bank and potentially the entire global financial system. general eric holder, instructing prosecutors to consider the collateral consequences of a corporate criminal conviction in determines whether to charge the corporation with a criminal offense. in other words, try to avoid corporate prosecutions because they could hurt people and institutions that had nothing to do with the crime. which sounds reasonable, but that position came with its own collateral consequences, which were made crystal clear in the hsbc settlement. >> we have two tiers of justice in this country.