“With the Department of Justice announcing its latest multi-billion-dollar settlement with a too-big-to-fail bank — Goldman Sachs this time — the question we all must be asking is, “Does this mean that real accountability has finally come to Wall Street?”

“Unfortunately, we already know the answer is a clear “no.” Too big to fail not only means “too big to jail” but also “too big to punish.” Like in previous DOJ settlements, Goldman’s appeared to be carefully crafted to look meaningful without actually imposing significant accountability. The $5 billion payment sounds big, but that figure is the equivalent of pennies for Goldman, no more than the regular cost of doing business on Wall Street.”

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Read the full American Banker Op-ed by Dennis Kelleher and Austin King here.