[zcvosdfdgj]

you have terrible reading comprehension.

The article says he paid 67.5 million in fines to settle a securities fraud lawsuit brought by the SEC. It was a civil lawsuit, so the penalty if he lost (instead of settled) would have been a fine.

The criminal case was dropped because a grand jury would not indict after 2 years debating the issue.

The settlement has nothing to do with the criminal case.

And in the other case of the "low-level countrywide loan officer".. the level of fraud detailed in your link goes far and beyond the fraud occurring in the mortgage industry at the time. He had countrywide issue 38million in fraudulent loans, of which 8.7million went into his own bank account.