For anyone who assumes a bank this size gets punished: TD Bank moved $18.3 trillion in customer money without checking where it came from — cartel cash, profits from fentanyl, money that paid for human trafficking. It pleaded guilty to conspiracy to commit money laundering, the first American bank in history to do it, and it paid $3 billion. No individual has been announced as going to prison. Inside: the $470 million one man pushed across the counter himself, what Attorney General Merrick Garland actually said at the DOJ press conference, the beneficial-ownership registry FinCEN switched off five months later for more than 99% of US companies, why the Tax Justice Network's Financial Secrecy Index ranks the United States first in the world for secrecy, what happened to all-cash luxury home purchases in Miami-Dade the moment buyers had to give their names, and the anti-laundering rule a federal judge vacated after 18 days. Some visuals are AI-generated or dramatized illustrations representing real events and data. All research is original and sourced.