Peter Burke accepts to help David Sullivan and other victims of a plot in which people are forced to take and pay off a second mortgage due to wrong foreclosures. Neil finds out those are all signed by federal judge Michelle Clark. Mozz helps him collect evidence from her chambers, but Fowler helps Clark turn the table on Burke who tried to trick her into bribing him. Neil must turn the tables on both the fiends.

Manhattan is the latest branch of a bank to receive the calling card of the Architect, a master robber who got away with three earlier, similarly bloodless hold-ups. Peter sort of clears himself and gets jailed Neal his ankle device parole back, but on a trial basis for both of them. Neal proves the security insufficient and works out the likely identity of the Architect, squeaky clean but bored and arrogant wall Street mogul Edward Walker. Catching him proves harder, his easily seduced secretary and an inside accomplice the keys. Meanwhile Mozzie helps Burke keep track of Neal's mental recovery and discovers the mysterious music-box's disappearance from evidence.

Neal goes undercover as a political "fixer" in order to bring down a corrupt politician.