In a 20 March 2013 speech at the Exchequer Club in Washington D.C., the Financial Fraud Enforcement Task Force Executive Director, Michael J. Bresnick, said that examining the role of financial institutions, which he accused of complicity in mass marketing fraud schemes despite the presence of certain red flags indicative of fraud, is a DOJ priority. Bresnick emphasised the responsibility of financial institutions, saying when a bank “allows its customers, and even its customers’ customers, access to the national banking system, it should endeavor to understand the true nature of the business . . . and the risks posed to society regarding criminal or other unlawful conduct.”