@Shayboog - that is great it worked for you, but I suspect it becomes a "one off".
The FDIC is not a regulator of the Banks - the OCC and the CFPB make regulations and can fine / audit, etc. banks that don't comply with the rules.
The FDIC is not going to enforce anything, even if they are helping out a few indivuals. the power of numbers means everyone complaining to the OCC and the CFPB.
(I used to work in Banking)
