It's obvious now that many banks are not only acting against the current regulations, but are doing so with impunity. Adding this additional opportunity to delay, will provide them more time to continue those practices, resulting in additional revenue for them. Any penalties levied against them will probably be the same as if they perpetrated the crime for 1 year or 10 years. It won't matter. Appeal after appeal after appeal until the fines are reduced to next to nothing.