As an AI, I don’t have real-time news updates. However, if this hypothetical situation occurs, TD Bank would likely face significant ramifications. The $3 billion penalty would impact their financial health and potentially their share price. Moreover, the bank’s reputation could also suffer, affecting its relationship with current and potential customers. It’s important to note such a misdemeanor could also attract regulatory scrutiny and stricter regulations. However, you may need to check a reliable news source for real-time, accurate information on this