>Let's consider his position:
>
>12 million illegal immigrants as potential customers
>2-4 existing customers lost that day

...in that one branch. Probably more elsewhere. But then the immigrants are fresh and ready to get into debt (with higher rates) and soon the bank will own their butts. And they're easier to get in line - bank can always wave the IRS club at them.

It reminds me of a story, long ago, about a guy in Mexico who was driving a car for more than 20 years without a license, and without a single accident, not even a parking ticket. Then he eventually went and got a license, and crashed the next day - he didn't have to worry about being caught anymore, and relaxed his attention.