. >> reporter: the national consumer law center's karla sanchez adams says that loophole in banking regulations needs to be closed so they improve their security procedures. you say they could do a better job protecting consumers, but they aren't because there's no penalty for them. >> that is correct. >> reporter: but now the issue is getting the attention of members of congress. in this letter obtained exclusively by cbs news, senate banking committee members wrote to four major banks, including chase, saying in part, "banks should make consumers whole for unauthorized transactions and for fraudulently-induced transactions like wire transfers where a consumer was deceived or manipulated into receiving or sending a transfer." >> it's on the companies that allow the scam. people should be able to have an expectation their money is safe. >> the committee wants information on the money from the banks on how much money was lost, but all four banks have declined to comme comment on the matter. chase said it's unreasonable to ask the banks to subsidize criminal activity and that the government and p