Wells Fargo still faces federal and state investigations. The bank has said it is cooperating. The OCC report amounts to a detailed critique of alleged failures at the agency, the primary regulator of Wells Fargo. It found that supervisors were aware of complaints about the sales program, including a meeting with a senior Wells Fargo executive in January 2010 at which they inquired about 700 whistleblower complaints "related to the gaming of incentive plans." Examiners in 2010 also pointed out that they hadn't seen the bank assess risks associated with the sales practices or create a good system for monitoring complaints about them, the report said. Despite raising these questions and concerns, the supervisors repeatedly didn't follow up on them or identify root causes, the report said. The OCC sent the bank five "matter requiring attention" warnings on "various sales practice concerns", the report said, but they were addressed to now-former Chairman and CEO John Stumpf and not to the board.