U.S. Senator Elizabeth Warren has publicly criticized the Department of Justice (DOJ) for its handling of a recent $3 billion settlement with Toronto-Dominion Bank (TD Bank) regarding anti-money laundering failures. In a letter to the DOJ, Warren expressed concern over the absence of individual charges against TD Bank executives, stating that without accountability, banks will continue to treat enforcement fines as a cost of doing business. She accused the DOJ of sidestepping the potential for severe penalties, such as the revocation of the bank's charter, which could have been a consequence of the money laundering violations. The settlement, which is part of a broader scrutiny of financial institutions' compliance with anti-money laundering regulations, has drawn criticism from both lawmakers and transparency advocates, who argue that prosecuting executives is essential for effective enforcement.