Wells Fargo
17 named things its latest annual report says its results depend on, each in the company's own words. 14 of them are also named by other companies we've read.
Other companies
Wells Fargo Bank, N.A.
concentrated in · $1.8 trillion, or 85% of the Company’s assetsAt December 31, 2025, Wells Fargo Bank, N.A. (the Bank) was the Company’s principal subsidiary with assets of $1.8 trillion, or 85% of the Company’s assets.Business (Item 1)
Support Agreement with WFC Holdings, LLC
named as a riskAny such restriction could materially and adversely impact the Parent’s liquidity and its ability to satisfy its debt and other obligations, as well as its ability to make dividend payments on its common and preferred stock.Business (Item 1)
Regulators
Consumer Financial Protection Bureau (CFPB)
subject tonamed as a riskGiven the rule’s requirement to share customer information with authorized third parties, some of whom could be non-financial institutions, the rule could result in increased fraud, data misuse, and competition.Business (Item 1)
Also named by ABNB, AFRM, ALLY, AN, AUB, AXP, BAC, CASH and 61 more
Federal Deposit Insurance Corporation (FDIC)
subject tonamed as a riskThe termination of deposit insurance for one or more of our bank subsidiaries could result in a significant loss of deposits and have a material adverse effect on our liquidity and earnings, depending on the collective size of the particular banks involved.Business (Item 1)
Also named by AFRM, BAC, BNY, CASH, CFG, CFR, COF, FCFS and 27 more
Office of the Comptroller of the Currency (OCC)
subject tonamed as a riskOn September 12, 2024, the Company announced that Wells Fargo Bank, N.A. entered into a formal agreement with the OCC requiring the bank to enhance its anti-money laundering and sanctions risk management practices.Business (Item 1)
Also named by ADP, AMP, AXP, BAC, BLK, C, CASH, CFG and 22 more
Federal Reserve Board
subject tonamed as a riskOn February 2, 2018, the Company entered into a consent order with the FRB requiring the Company’s Board of Directors (Board) to further enhance the Board’s governance and oversight of the Company, and the Company to further improve the Company’s compliance and operational risk management program.Business (Item 1)
Also named by ALLY, AMP, BPOP, C, CFG, CFR, CME, COMP and 9 more
Financial Industry Regulatory Authority (FINRA)
subject toOur brokerage subsidiaries are regulated by the SEC, the Financial Industry Regulatory Authority (FINRA) and, in some cases, the CFTC and the Municipal Securities Rulemaking Board, and state securities regulators.Business (Item 1)
Also named by AB, ADP, AGNC, AMG, AMP, BAM, BEN, BR and 23 more
Laws and programs
Community Reinvestment Act
subject tonamed as a riskBecause we are an FHC, if any of our applicable subsidiary banks receives a rating under the Community Reinvestment Act of 1977, as amended (CRA), of less than satisfactory, we will be prohibited, until the rating is raised to satisfactory or better, from engaging in certain new financial activities or acquiring certain companies engaged in financial activities.Business (Item 1)
Also named by ALLY, AMP, AUB, CFG, CFR, EFSC, EWBC, FCNCA and 20 more
Basel III
subject tonamed as a riskLarge BHCs, like Wells Fargo, and their insured depository institutions also must comply with various capital requirements, including the reforms known as Basel III, as well as rules that establish leverage and supplementary leverage ratio requirements.Business (Item 1)
G-SIB capital surcharge
subject tonamed as a riskWe are also subject to the FRB's rule implementing an additional capital surcharge on those U.S. banking organizations, such as the Company, that are designated as global systemically important banks (G-SIBs).Business (Item 1)
Also named by STT
FDIC Deposit Insurance Fund
subject tonamed as a riskIn addition, the FDIC may recover by special assessment on member banks losses to the DIF as a result of resolving a failed bank.Business (Item 1)
Also named by FSUN
Dodd-Frank Act resolution planning (living wills)
subject tonamed as a riskIf the FRB and FDIC determine that our resolution plan has deficiencies, they may impose more stringent capital, leverage or liquidity requirements on us or restrict our growth, activities or operations until we adequately remedy the deficiencies.Business (Item 1)
Gramm-Leach-Bliley Act
subject toThe privacy provisions of the GLB Act affect how consumer information is transmitted through diversified financial services companies and conveyed to outside vendors.Business (Item 1)
Also named by BR, CINF, EFX, FICO, FIS, FITB, OMF, ORI and 4 more
Bank Holding Company Act of 1956
subject toAs a BHC, the Parent is subject to regulation under the BHC Act and to inspection, examination and supervision by its primary regulator, the Board of Governors of the Federal Reserve System (Federal Reserve Board or FRB).Business (Item 1)
USA PATRIOT Act
subject toThe USA PATRIOT Act requires the implementation of policies and procedures relating to anti-money laundering, economic sanctions, suspicious activities, and currency transaction reporting and due diligence on customers.Business (Item 1)
Also named by IBKR
CFTC and SEC swap dealer rules
subject toAs a registered swap dealer and a conditionally-registered security-based swap dealer, Wells Fargo Bank, N.A., is subject to these rules.Business (Item 1)
Technology
Stablecoins and cryptocurrencies
competes withnamed as a riskAdditionally, digital assets and alternative payment methods, such as cryptocurrencies, stablecoins, and tokens, as well as distributed ledger-based payment, clearing, and settlement processes have the potential to reduce reliance on traditional depository institutions and other financial intermediaries, could lead to a reduction in deposits at banks, and could lead to changes in how financial services are accessed, offered, and delivered.Business (Item 1)