Why Wall St and Big Banks haven't changed a Bit

I read today that FHA was going after 20 or so institutions that supposedly had violated the new guidelines for FHA loans. The violations are usually against smaller investors and smaller banks. What is not being said is this. We have lost hundreds of smaller banks and financial institutions in this meltdown. And Wall St has lost some major players also. What is result?

That more loans will ultimately be made by less banks. This will hurt competition and cause more expense to the homeowner and general public. The banks and Wall St. are now larger than they were before the "too big to fail" issue was brought up. This creates more power in Washington for those that remain standing.

Millions are being spent lobbying our elected officials right now for the regulations to remain the same. And it looks like the banks and Wall St. are going to get away with the largest theft in history.