For the quarter, loan growth and the net interest margin disappointed, but expense management helped soften the blow. Yes, "The Coach" took a $1 billion mortgage litigation accrual in the third quarter because it is in talks with a task force from the U.S. Department of Justice, per Chief Financial Officer John Shrewsberry. Wells Fargo has had a sales practices scandal, opening perhaps 3.5 million accounts in customers' names without their permission, signing others up for unwanted auto insurance, charging some for a mortgage rate-lock feature they did not request, and tacking other costly add-ons to accounts. This is all in addition to the same challenges as competing lenders: a drop in mortgage refinancing, interest income rising slowly after a prolonged period of rock-bottom rates, expensive technology investments, and new regulations. House Democrats have urged bank regulators to remove Wells Fargo's bank charter because of their 2016 fraud scandal.