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The consequences of Stumpf's actions were devastating. The fallout was not merely financial; it was deeply human. Thousands of customers were charged fees for accounts they never opened, their credit scores damaged, and their trust in the banking system shattered. The bank was forced to pay billions in fines$3 billion in settlement costs with the Department of Justice and other regulators was a mere fraction of the damage. For the average American, the scandal was a stark revelation of how the financial sector operates with impunity. For Stumpf, the price, while high, was ultimately insufficient. He was ousted in October 2016, but he walked away with his wealth largely intact. He testified before Congress, offering hollow apologies while simultaneously invoking his Fifth Amendment rights to avoid answering pointed questions about his specific knowledge and involvement.
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