but i think that question how did it happen with the gfc.re all those people on wall street criminal? their hearts bad? one little step at a time. >> are you surprised more people in wall street haven't gone to prison since the financial crash that we all went through? >> yeah. i'm a little bit surprised. but i understand why they haven't. i think it's very difficult for the u.s. attorney's office to make these cases. a lot of the props were are cane. part of it the relationship between wall street and the government. people in wall street went to the government and changed laws that allowed loopholes to exist for people on wall street to jump through and make money. so it was sort of the legality. so it's on that line. >> you were ordered to paper $110.4 million for a victim compensation fund. as of now you've paid back how much? >> about 12. >> about 12 million. do you have any expectation or hope you'll ever get to pay them all back? >> listen, i think this movie, for that is an amazing thing. i'm giving 100% of all the profits from the m

you can just say, how did the gfc happen, how did all these people that went to ivy league schools, how could people who have degrees in economics and accounting be staffing documents -- >> what is the easy answer? >> they didn't lose their soul at once, a little bit here, a little push there. >> did you lose your soul completely? >> i think that's hard to say, because i think i got to a point in my life where i was probably about as awful a person as i was capable of being and still walking around, and to say well, i was able to get back to the person my parents seth sent out into the world. that's another journey in itself. >> are all those people on wall street? one little step at a time. >> are you surprised more people on wall street haven't gone to prison since the financial crash? >> yeah, i'm a little bit surprised, but i understand why it happened. i think it's very difficult for the u.s. attorney's office to make these cases, and it's very, a lot of the props were arcane. and a lot of it is the relationship between wall street and the government. they changed laws that allowed

first of all there's the so-called patch that allows any loan that qualifies for gfc insurance, or ffa insurance does not have to be sold or insured by them. if it's eligible, even if it's kept on portfolio, that's per se a qm loan. it goes up to 50%. we have urged and we did with a joint comment, with industry that covered most of the mortgage market that the cfpb should use their data collection and develop specific broad criteria that would allow the so-called compensating factors for responsible lending by 50%, particularly by small lenders. >> okay. >> many african-americans and home buyers are steered into subprime loans when in fact they qualify for a prime loan. so can you remind us the prev l prevalence of this practice and how these new rules will change that practice? >> i can't speak to what others are doing. what we do is to provide quality products at low cost to sort of raise the water a little, if you will, of our entire community, which makes everybody's boat rise. i mean, we are very, very sensitive to trying to improve the lives and livelihood of all of the members i