The process of recovering money directly from the borrowers has been slow.

It's been a year since Congress passed the Dodd-Frank Wall Street Reform and Consumer Protection Act. This law created a new regulator, the Consumer Financial Protection Bureau, responsible for ensuring that banks are safe and sound.

The office received more than 4 million complaints about financial institutions in its first year of operation. But he still hasn't earned any money to pay his employees.

In fact, the agency has been operating at a loss for years. It is now predicted to lose $1 billion this year alone. The deficit widened due to an unexpected increase in spending that was not covered by congressional appropriations.

So why haven't the depositors received their money back yet? It's very simple: they are forced to pay interest on their deposits instead of being repaid by bankrupt banks like Bear Stearns or Lehman Brothers.