At one time, calling the large multinational banks a "cartel" branded you as a conspiracy theorist. Today, the banking giants are being called that and worse, not just in the major media but in court documents intended to prove the allegations as facts. Charges include racketeering (organized crime under the US Racketeer Influenced and Corrupt Organizations Act or RICO), antitrust violations, wire fraud, bid rigging and price fixing. Damning charges have already been proven and major damages and penalties assessed. Conspiracy theory has become conspiracy fact.
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