Well, today one of the Reuters most-emailed stories was about a class-action lawsuit over exactly this issue. Borrower was told they had a fixed rate when they didn't. Borrower sued, and further asked to be treated as a member of a class. Judge said, sure thing. Mortgage industry angst ensued.
Judge further agreed, yup, lender violated TILA (truth in lending act). We're apparently currently waiting on the appeal. There's an expectation that if the appellate court upholds the decision, the lender will chase this puppy all the way up to the Supreme Court (and if you think you can predict what _they_ will do, excuse me while I pick myself back up off the ground, cause I fainted, or lost control laughing, or something).
This strikes me as a very Alexander-and-the-Gordian-Knot thing. I sort of hope it works, but boy, the consequences could be exciting. Talk about reframing. All of a sudden, we're not talking about a bailout. We're talking about do-overs for victims of fraud.
As for the giraffes:
Apparently they led a breakout from a circus visiting Amsterdam, but the animals were rounded up quickly. They have a very effective kick.