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In September 2016, federal bank regulators imposed a fine of $185 million on Wells Fargo (NYSE: WFC) for allegedly creating millions of accounts on behalf of customers. As a result, millions of Wells Fargo customers had credit card, checking, and other accounts without even knowing about them. The episode led to the firing of more than 5,000 bank employees, and then-CEO John Stumpf ended up giving up substantial portions of his pay and leaving the company in October.

Federal regulators have said that Wells Fargo isn't the only bank whose sales practices have been suspect. Now, most banks have new procedures in place that require direct customer contact when an account is opened in their name to confirm that the customer knows about the account.

2016年9月，联邦银行监管机构对富国银行（NYSE:WFC）处以1.85亿美元的罚款，因为富国银行涉嫌为客户创建数百万个账户。结果，数以百万计的富国银行客户在不知情的情况下拥有信用卡、支票和其他账户。这一事件导致5000多名银行员工被解雇，随后的首席执行官约翰?斯顿夫（John Stumpf）最终放弃了大部分薪酬，并于10月份离开了公司。

联邦监管机构表示，富国银行并不是唯一一家销售行为受到怀疑的银行。现在，大多数银行都有了新的程序，当以自己的名义开户时，需要直接与客户联系，以确认客户知道该账户。

In February 2018, U.S. Bancorp (NYSE: USB) settled charges from the U.S. Department of Justice that alleged that the bank's efforts to fight money laundering were insufficient. U.S. Bancorp ended up paying $613 million as a result of the settlement, including $453 million in forfeited funds as well as fines to the Federal Reserve, the Treasury Department, and the Office of the Comptroller of the Currency.

The Department of Justice alleged that the bank's anti-money-laundering program missed a substantial number of suspicious transactions between 2009 and 2014. U.S. Bancorp CEO Andy Cecere said that the bank regretted the lapse, and the bank has already taken steps to strengthen its resolve against would-be money launderers.

2018年2月，美国银行（NYSE:USB）解决了美国司法部指控该行打击洗钱活动力度不足的指控。美国银行最终支付了6.13亿美元，其中包括4.53亿美元被没收的资金以及对美联储、财政部和货币监理署的罚款。

司法部称，该行的反洗钱计划在2009年至2014年间漏掉了大量可疑交易。美国银行公司首席执行官安迪塞西尔（Andy Cecere）表示，该行对这一失误感到遗憾，并已采取措施加强对潜在洗钱者的打击力度。

The U.S. isn't the only country to face banking scandals recently. In Australia, five of the nation's biggest financial institutions are embroiled in a scandal involving improperly collecting fees for services that they never provided. Some of the most egregious allegations included the institutions charging deceased clients 电脑 for purported financial advice as well as lying to banking and securities regulators about their customer practices. The banks could have to return as much as AU$1 billion along with facing criminal charges for their behavior.

澳大利亚银行收费丑闻

美国并不是最近唯一一个面临银行业丑闻的国家。在澳大利亚，五家本国最大的金融机构卷入了一桩丑闻，涉及不正当地收取他们从未提供的服务的费用。一些最惊人的指控包括机构指控已故客户提供所谓的财务建议，以及对银行和证券监管机构的客户行为撒谎。这些银行可能需要返还高达10亿澳元的资金，同时还要因其行为受到刑事指控。

4. Gold and silver price fixing

Major banks around the world participate in trading of commodities like gold and silver, and in 2015, suspicions of price fixing led to investigations from authorities in the European Union and Switzerland. Deutsche Bank (NYSE: DB) ended up settling claims among gold and silver investors for a total of just under $100 million in 2016. Claims against Bank of America (NYSE: BAC) and UBS Group 电脑 (NYSE: UBS) were dismissed in U.S. federal court earlier this year, but several other well-known international banks remain involved in the litigation.

金银价格操控

全球各大银行都参与黄金和白银等大宗商品的交易，2015年，对操纵价格的怀疑导致欧盟和瑞士当局展开调查。德意志银行（NYSE:DB）最终在2016年解决了总计不到1亿美元的金银投资者索赔。今年早些时候，美国联邦法院驳回了对美国银行（Bank of America，NYSE:BAC）和瑞银集团（UBS Group，NYSE:UBS）的索赔，但其他几家知名国际银行仍参与了诉讼。

Wells Fargo has found itself at the center of numerous troubling incidents over the past few years. Following internal reviews conducted as a result of the fake-account scandal, the bank found in 2017 that hundreds of thousands of auto-loan customers were forced to pay for comprehensive and collision insurance coverage for their vehicles -- even if they already had their own coverage. That extra cost led to many people defaulting on their car loans and having their 电脑 vehicles repossessed -- as well as further damaging Wells Fargo's already tarnished reputation.

富国银行汽车保险丑闻

富国银行发现自己在过去几年中处于众多麻烦事件的中心。在对假账户丑闻进行内部审查后，该行在2017年发现，数十万汽车贷款客户被迫为他们的车辆支付全面和碰撞保险，即使他们已经有自己的保险范围。这一额外成本导致许多人拖欠汽车贷款，汽车被收回，也进一步损害了富国银行业已受损的声誉。

Scandals like these have shattered the trust that banking institutions used to have with their customers. Now more than ever, it's clear that you have to be on your guard to make sure that your bank is treating you the way you deserve. Otherwise, you could end up being the victim of the next big bank scandal.

保护你自己

像这样的丑闻已经粉碎了银行机构过去对客户的信任。现在比以往任何时候都更清楚的是，你必须保持警惕，以确保你的银行以你应得的方式对待你。否则，你可能会成为下一个大银行丑闻的受害者。