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On Tuesday December 20th, 2022, markets finished slightly up but remained flat overall after four consecutive days of decline. Wells Fargo agreed to a 3.7 billion dollar settlement with the Consumer Financial Protection Bureau for consumer abuses, with 1.7 billion in civil penalties and over 2 billion in redress to consumers. The bank's misconduct caused financial harm, leading to vehicle and home losses, illegal fees and charges on loans, car repossessions, and misapplied mortgage payments. This settlement brought some justice, but the impact on consumers was significant.