富国银行盗开账户 被罚巨款并解雇数千员工

 　　Wells Fargo is paying up and laying off thousands of workers after it reached an agreement to settle allegations that, for years, its employees extracted millions in fees by regularly opening new accounts for customers without their knowledge, according to the Consumer Financial Protection Bureau.

　　据美国消费者金融保护局表示，富国银行员工多年来未经客户同意秘密开设账户，从中提取数百万元。在指控达成和解后，富国银行支付罚单，并解雇数千名员工。

　　Under the agreement, announced by the C.F.P.B., Wells Fargo will pay a total of $185 million: a $100 million fine to the C.F.P.B.'s Civil Penalty Fund, $35 million the Office of the Comptroller of the Currency, and an additional $50 million to the City and County of Los Angeles.

　　美国消费者金融保护局宣布，根据该协议，富国银行将支付1.85亿美元，其中1亿支付美国消费者金融保护局民事处罚基金，3500万美元支付给美国货币监理署，另外5000万美元支付给洛杉矶政府。

　　Richard Cordray, the bureau's director, called it the "largest penalty the C.F.P.B. has ever imposed" because of "the severity of these violations¹."

　　消费者金融保护局官员理查德·考德瑞表示，由于"违规的严重性"，这是"该机构开出的最大一笔罚单"。

　　富国银行盗开账户 被罚巨款并解雇数千员工

　　Federal regulators say that scheme, which allegedly began in 2011, involved Wells Fargo employees secretly creating millions of potentially unauthorized credit-card and bank accounts.

　　联邦管理机构表示，这种行为据说从2011年就已有之，富国银行的员工可能已经秘密开设数百万未经授权的信用卡和银行账户。

　　Incentivized by rigorous sales quotas³ and compensation, employees transferred money from existing customer accounts to surreptitiously opened new accounts, the C.F.P.B. explained in its statement.

　　美国消费者金融保护局在声明中解释道，受到严格的销售配额和补偿的刺激，员工将客户现有账户的资金转入未经他们授权的新账户中。

　　Unaware⁴ that their balances had changed, customers were then charged overdraft⁵ fees or penalties for insufficient⁶ funds.

　　这样一来，并不知情他们收支变化的客户，将因存款不足或透支而被收取费用。

　　Over the course of five years, the C.F.P.B. said that employees opened about 1.5 million deposit accounts that customers may not have authorized², and applied⁷ for roughly 565,000 credit-card accounts under the same conditions.

　　美国消费者金融保护局表示，在过去的五年中，富国银行员工开设了150万个未经客户授权的储蓄账户，还在用户未授权的情况下申请了大约56.5万张信用卡。

　　Regulators said employees went as far as creating fake e-mail addresses and PINs in order to pull it off.

　　联邦管理机构还表示，银行员工为了达到目的甚至会伪造电子邮件地址和PIN号。

1 violations   

违反( violation的名词复数 )； 冒犯； 违反（行为、事例）； 强奸

参考例句：

• This is one of the commonest traffic violations. 这是常见的违反交通规则之例。
• These violations of the code must cease forthwith. 这些违犯法规的行为必须立即停止。

2 authorized   

a.委任的，许可的

参考例句：

• An administrative order is valid if authorized by a statute.如果一个行政命令得到一个法规的认可那么这个命令就是有效的。

3 quotas   

（正式限定的）定量( quota的名词复数 )； 定额； 指标； 摊派

参考例句：

• In fulfilling the production quotas, John made rings round all his fellow workers. 约翰完成生产定额大大超过他的同事们。
• Quotas of the means of production are allocated by the higher administrative bodies to the lower ones. 物资指标按隶属关系分配。

4 unaware   

a.不知道的，未意识到的

参考例句：

• They were unaware that war was near. 他们不知道战争即将爆发。
• I was unaware of the man's presence. 我没有察觉到那人在场。

5 overdraft   

n.透支，透支额

参考例句：

• Her bank warned that unless she repaid the overdraft she could face legal action.银行警告她如果不偿还透支钱款，她将面临诉讼。
• An overdraft results when a note discounted at a bank is not met when due.银行贴现的支票到期而未能支付就成为透支。

6 insufficient   

adj.(for，of)不足的，不够的

参考例句：

• There was insufficient evidence to convict him.没有足够证据给他定罪。
• In their day scientific knowledge was insufficient to settle the matter.在他们的时代，科学知识还不能足以解决这些问题。

7 applied   

adj.应用的；v.应用，适用

参考例句：

• She plans to take a course in applied linguistics.她打算学习应用语言学课程。
• This cream is best applied to the face at night.这种乳霜最好晚上擦脸用。