This 2019 speech should help to provoke a new regulatory enforcement regime, not just in America.  Until we, the people, insist, nothing is going to change.

James Kidney explains how the SEC and the Department of Justice fumbled the prosecutions of Wall Street bankers after the crash of 2008 and explains how the SEC and the Department of Justice fails their missions in not bringing to either civil or criminal justice those who break laws in finance. Here is a direct video link. Introductory remarks end 3 minutes in.