As banks contemplate bundling mortgages again, the one silver lining is that the banks haven’t yet proved to be too big to nail, as the wronged purchasers and insurers of their toxic bonds have been waging an occasionally successful multiyear legal battle against the banks and, indirectly, actually punishing them financially for their misconduct. It, therefore, shouldn’t be surprising that, as the banks re-enter the securitization market, their biggest concern seemingly isn’t to ensure that they aren’t once again peddling fraudulent products that might bring government scrutiny, but rather to deal with private civil litigation.  Article