How Wells Fargo Workers Created Fake Accounts

The Wells Fargo scandal began unraveling in September 2016. Federal regulators divulged that Wells Fargo employees created millions of secret bank and credit card accounts without customer approval. They received a $185 million fine and revealed that they had fired 5,300 employees because of the fraud. Fast forward to 2018, and the scandals continued to mount for this company.

must choose and defend one side

Regulators have fined Wells Fargo for its unethical business practices. Do regulators have done enough to deter Wells Fargo from repeating this behavior, or do regulators have failed and are allowing Wells Fargo to continue the status quo? What would be the proposal? Please explain