????“我很抱歉。真的，我的本意并非如此……呃，我的意思是我們的本意并非如此。我希望沒人受到很大傷害。哦，對不起，如果你確實受到了很大傷害。我是認真的，我們是認真的。我認為當初我們的本意是好的，但事情就是有點失控了。將來我們一定會盡力避免此類事件再發生……不，不會再發生。這次，我們絕對說到做到。你還能信任我們嗎？拜托了？”

????你是在和我開玩笑嗎？在那些華爾街菁英以及華盛頓的監管官員們種種無知無畏而又無法無天的行為將我們的市場和經濟推下懸崖后，我們能聽到的就只是一聲“抱歉”嗎？

????是誰在進行這些蒼白無力的道歉？

????比如，摩根大通(JPMorgan Chase & Co.)的首席執行官杰米?戴蒙和前美聯儲(Fed)副主席唐納德?科恩。本周二，戴蒙在俄亥俄州哥倫布市舉行的摩根大通年度股東大會上就說了這么多。以下源自彭博新聞社（Bloomberg）：

????摩根大通董事長兼首席執行官杰米?戴蒙表示，他對公司一些不當的止贖收屋行為表示歉意，但數百位抗議者在年度股東大會上要求他采取行動，幫助購房者和小企業走出金融危機陰影。

????對于過去犯下的任何過錯，“我們表示深深的歉意”，現年55歲的戴蒙周二在年度股東大會上表示，“我們正在盡一切可能，幫助那些理應住在自己房子里的人們繼續住下去。”戴蒙表示，他特別感到抱歉的是公司錯誤地收回了現役軍人的房屋，并弄錯了其他被收屋者的一些文書。年度股東大會是在美國俄亥俄州哥倫布市一棟200萬平方英尺的寫字樓中召開的。

????戴蒙的道歉與周三《金融時報》(Financial Times)報道的唐納德?科恩“走近耶穌”的聲明堪稱絕配：

????“對于金融危機給美國及全球數百萬人帶來的痛苦，我深感歉意……主要責任在于私營部門——那些根據信貸評級買賣這些證券的人。但我同意監管部門也存在失察。”

????“監管部門未對本應引起警覺的風險做出反應，即便是他們看到的風險，也未有效地向業界管理層進行風險提示或采取行動，這些都是他們本來應該做的。所有這些顯然都有事后諸葛亮之嫌。”

????那么科恩，“如果當時這些監管部門對現實狀況失察，”他們當時究竟在哪里，和誰在一起，在干些什么？”

????戴蒙和科恩都用不著急道歉。那么，美國和全球的投資者們究竟希望從這些從不干好事的金融菁英們身上得到些什么呢?

????公開信息吧，伙計們！

????戴蒙，讓我們看看摩根大通按揭貸款生成和償付操作的現狀，并敦促你在花旗(Citi)、美國銀行(BofA)、Ally和富國銀行(Wells Fargo)的朋友們也這樣做吧。

????至于科恩，雖然我對伯南克及其親密戰友蓋特納進一步披露美聯儲或美國財政部的操作細節不抱什么希望，你確實有些分量，能敦促瑪麗?夏皮羅讓美國證券交易委員會(SEC)及華爾街自律組織——美國金融業監管局(FINRA)公開信息。

????是的，美國證券交易委員會和美國金融業監管局的家伙們是當時掌握事態發展的真正“警察”，而高高在上的美聯儲和其他部門的頭頭腦腦們當時一定是在訂購另一盒波士頓派。

????科恩，也許你愿意在埃爾頓?約翰遜起訴美國金融業監管局、要求后者公開信息的案件中，成為約翰遜的一位證人。迄今為止，瑪麗?夏皮羅和美國金融業監管局董事會都采取了馬克?馬奎爾的方式，回避談論過去，我在今年2月指出了這一點：

????美國金融業監管局是如何回應約翰遜和其他業內人士要求提高透明度的呼聲的？基本上就是動動嘴皮子，充耳不聞或在有必要時，請求豁免。什么？豁免？是的，沒錯。通過請求豁免，美國金融業監管局有效地擋住了約翰遜及其他人要求提高透明度的呼聲。這是美國嗎？美國金融業監管局可能是通過美國證券交易委員會報告，但它并非政府組織。豁免？我稱之為自大！但斗爭仍在持續，對透明度的追求也依然不懈。

????沒有真正意義上的透明度，道歉蒼白無力。

????本文作者Larry Doyle是華爾街資深人士，曾供職于第一波士頓(First Boston)、貝爾斯登(Bear Stearns)和Union Bank等銀行。他的博客見http://www.senseoncents.com/。

????"I'm sorry. No, really I am. I did not mean to do it….err, I mean we did not mean to do it. I hope nobody got too badly hurt. Oh, sorry if you did. Really, I mean it and we mean it. I think we were well intentioned but things just got a little out of control. We will definitely try to make sure this stuff NEVER happens again…no, really. This time we definitely mean it. Will you still trust us? Please?"

????Are you kidding me? Is "sorry" the best America gets for the ineptitude, incompetence, reckless and abusive behaviors of those on Wall Street and their regulatory overseers in Washington after driving our markets and economy over the cliff?

????Who is issuing these meaningless mea culpas?

????Try JP Morgan CEO Jamie Dimon and former Fed vice-chairman Donald Kohn. Yesterday, Dimon said as much at the JP Morgan annual shareholders meeting held in Columbus, Ohio. From Bloomberg:

????Jamie Dimon, JPMorgan Chase & Co. (JPM) chairman and chief executive officer, said he was sorry for foreclosure mistakes as hundreds of protesters at the annual meeting demanded he do more to help homeowners and small businesses recover from the financial crisis.

????For any errors that were made, "we deeply apologize," Dimon, 55, said today at the shareholders' meeting in a 2- million-square-foot office building in Columbus, Ohio. "We are doing everything we can to keep people in their homes that should stay in their homes." Dimon said he especially regretted the bank's mistakes in foreclosing on active-duty military personnel and for fumbling paperwork on other home seizures.

????Dimon's mea culpa is more than matched by Donald Kohn's 'come to Jesus' statements highlighted in today's Financial Times:

????"I deeply regret the pain that was caused to millions of people in the US and around the world by the financial crisis… Most of the blame should be on the private sector -- the people that bought and sold those securities, on the credit rating agencies that rated them. But I also agree that the cops weren't on the beat.

????The regulators were not as alert to the risks as they could have been and, to the extent they saw the risks, were not as forceful in bringing them to the attention of management, or taking actions, as they could have been. All this with 20/20 hindsight obviously."

????So Donald, "if the cops were not on the beat," where the hell were they, with whom and just what the heck were they doing?"

????Both Dimon and Kohn can save their mea culpas. What do the citizens of America and the world really want from these financial ne'er do wells?

????Open the books, boys!

????Jamie, let's see what was really going on within the mortgage origination and servicing practice at JP Morgan and compel your friends at Citi (C), BofA, Ally and Wells Fargo (WFC) to do the same.

????As for you Donald, while I hold out little hope that Big Ben and his sidekick Timmy will be forthcoming with any further details about activities at the Fed or Treasury, you certainly can carry real weight in compelling Mary Schapiro to open the books at the SEC and at Wall Street's self-regulator FINRA.

????Yes, the crowd from the SEC and FINRA were the real cops on the beat while the honchos upstairs at the Fed and elsewhere must have been ordering another box of Boston creams.

????Donald, perhaps you may like to be a witness on behalf of Elton Johnson's lawsuit against FINRA, compelling FINRA to open its books. See to date, both Mary Schapiro and the FINRA board are taking the Mark McGwire approach of not truly wanting to talk about the past. I highlighted this last February:

????How has FINRA responded to calls by Johnson and others within the industry for real transparency? Largely with lip service, a cold shoulder, and when need be, a plea of immunity. What? Immunity? Yep, that's right. FINRA conveniently and effectively utilizes a plea of immunity to obviate the call for transparency by Johnson and others. Is this America? FINRA may report through the SEC, but it is a private organization. Immunity? I call it ARROGANCE! That said, the battle wages on and the pursuit of transparency continues.

????Without real meaningful transparency, sorry means nothing.

????Larry Doyle is a Wall Street veteran, having worked at such banks as First Boston, Bear Stearns and Union Bank. He blogs at http://www.senseoncents.com/