&quot;It brought a case against Discover Bank last summer, saying it inflated the amounts it said borrowers owed on their loans.<p>Discover Bank paid $18.5 million without admitting or denying wrongdoing.&quot;<p>These fines are just a calculated cost of doing business for companies like Discover, Sallie Mae, etc. They take the likelihood of getting caught breaking the law, multiply it by how much they&#x27;ll have to dish out when they get caught, and subtract that from what they&#x27;ll make by extorting their &quot;customers.&quot;<p>In this case, Discover made a good financial decision on their part. Hooray for creating value for the shareholders.