Some of the most shocking examples are of outright fraud.

Short of outright fraud, any decision big enough to bring down a bank would have had to have had the approval of regulators.

The realization slowly dawns that it's not just stupidity at work here, but something more sinister: the big banks' outright fraud and others' willful ignorance.

Some involve outright fraud, some more subtle tricks.

With little evidence to back up this claim, some are even resorting to outright fraud...