How was Fannie Mae and Freddie Mac accounting unethical act detected. Was there any way to detect this earlier. I think if they would have had internal control this could have been one way to detect it. I'm not sure if the Saxby Act would have help the investor if that was in place. What could have been done to prevent this from happening in the first place. Also I know they was fine but did the executive have to pay restitution.