They have a compliance department that explicitly says "don't lie to people when you sell to them". Except that's not quite what goes on. What happens is, com

They have a compliance department that explicitly says "don't lie to people when you sell to them". Except that's not quite what goes on. What happens is, compliance says that. Then the salespeople's managers put them into a situation where they're required to make quota and the only way to do so is lying/fraud, they willingly turn a blind eye to anyone who lies/commits fraud, they punish people who don't make quota and hold up the liars/fraudsters as exemplars, and punish anyone who tries to blow the whistle on the whole thing. Which is, by the way, what actually happened at Wells Fargo. Honestly, the bank probably should've been dissolved for that one, pour encourager les autres.