Correct - they are not. Knowing the IRS well, they've been auditing Trumpy for years. Any monkey bizness always gets caught, so until anything real actually comes out in the wash, this is much to do about nothing.

As far as banks are concerned, we also shouldn't be shocked that banks underwrite shady loans to the upper crust all the time. "Oh...you are the Sultan of Brunei? Well please sign here. Financial records are not needed dear sir - your word is good enough". That's not illegal, it's just immoral, unethical and shady AF. The common man never seems gets that luxury - outside of the 2008 housing crash when janitors were buying mansions.