We caught them on tape lying to a federally insured bank to obtain financial information. And the trafficking is the unfair part.

We're prepared to say that if self-regulation has not achieved the results it should have by now, we're prepared to call for legislation. We're essentially at an important crossroad.

Last year we took the position that legislation was not appropriate at this time.

The judge was horrified and called in Sears.

Sears did not file these agreements in court even though they told the customer who signed them they would.

He concealed the valuable information that he had about the impending attacks.