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Serious question–what happens to the $393M once it is paid? I realize the agencies involved in the investigation have costs which are probably reimbursed but this certainly would not be close to $393M. Does the excess go to the US Treasury? Is there a victims fund to which funds are deposited? Ultimately, the consumer/client will pay these costs in increased fees, as well as low level employees will be eliminated, losing their job even though they had nothing to do with the policies which allowed for these violations.