Consent orders: Wells Fargo is currently operating under roughly 14 consent orders with various regulators including the Office of the Comptroller of the Currency, Securities and Exchange Commission and the Consumer Financial Protection Bureau. Under the orders, the bank will endure intense regulatory scrutiny until it proves it has fixed procedures that allowed employees to create potentially millions of unauthorised accounts, and sell auto insurance and other add-on products that customers did not want or need. The orders also require Wells Fargo to repay customers for costs associated with its consumer abuses. So far the bank has paid out at least tens of millions of dollars in remediation.