You can also look at Wells Fargo and their fraudulent accounts for billions. What happens? They get slapped with a fine that amounts to 3% of what they take. It shouldn't surprise anyone that they did it a second time. They likely will do it a 3rd, 4h, 5th. 3% is not a punishment it is a very profitable endeavor.

As far as I know no one has ever been arrested for that.