JP Morgan Chase & Co. have reached a record setting $13 billion deal with the Department of Justice to end U.S. investigations in its mortgage bond sales, but they are still vulnerable to facing criminal charges. The $13 billion marks the largest settlement paid by a financial firm to the U.S. The bank still caught the short end of the stick because even with this settlement they can still criminal liability charges, they was at the behest of U.S. Attorney General Eric Holder. Nancy Bush, a bank analyst who created NAB Research LLC in New Jersey said, "To not get the waiver from criminal prosecution is not good."