What. The. Actual. F---. Is this for real? Penalties need to go to the aggrieved parties, not well-connected non-profits. And in sufficient amounts to harm the offender at least as much as they harmed their victims. It really pisses me off how corporations and banks get a slap and a wink, while if you or I did a fraction of what they get away with, we'd spend the rest of our lives in prison.