Accountability Question

What consequences have been suffered by the ratings agencies – Fitch, Standard & Poors and Moodys – for fraudulently giving AAA ratings to all of those securitized bundles of bad loans?
These fraudulent ratings masked what was going on, and helped lead to the financial collapse.
So far: none? Just like everything else.
And the executives that bankrupted Lehman Brothers and others get to keep the money.
So what are the lessons learned from the financial collapse?