The sleazy policy at the heart of this noisome deal is the bank's insistence that any customer with a dispute must bring that dispute to arbitration, not to a courtroom. As we've reported, this is a requirement that chiefly benefits Wells Fargo, because big companies almost invariably have an advantage over their customers in arbitration. In fact, the arbitration clause may have helped Wells Fargo cover up the scandal for years, because arbitration cases aren't reported publicly.