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Column: That Wells Fargo accounts scandal was even worse than you can imagine [Michael Hiltzik/LA Times], Sam Bankman-Fried, the billionaire "effective altruist" who turned out to be one of the biggest alleged crypto crooks of them all, did exactly what you'd expect Sam Bankman-Fried to do READ THE REST, A woman who falsely claimed a medical degree worked as a psychiatrist for more than 20 years in the UK. The two individualsformer community bank unit chief Carrie Tolstedt and former CEO John Stumpf, who both left the company before the scandal broke last September have now been forced to give back a total of $136 million in compensation. The former CEO is losing $69 million, or 85%, out of the $81 million he made between 2013 and 2016. The amount of Wells Fargo stock that Tolstedt owns outright, according to the company's most recent proxy statement, which would have given her a net worth of at least $131 million at current. Reuters, the news and media division of Thomson Reuters, is the worlds largest multimedia news provider, reaching billions of people worldwide every day. The industry leader for online information for tax, accounting and finance professionals. The individuals or entities selected as "gurus" may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. Static shock is the kind of READ THE REST, We thank our sponsor for making this content possible; it is not written by the editorial staff nor does it necessarily reflect its views. Throughout her career, Ms. Tolstedt acted with the utmost integrity and concern for doing the right thing, said Enu Mainigi, her lawyer at Williams & Connolly in the report. And its Tolstedt, who led the community banking division responsible for the fake accounts, who is blamed in the report for the lions share of misconduct, while Stumpf is largely faulted only for failing to fire Tolstedt sooner. The Company is different today, but we know we still have significant work to do to regain the trust of all stakeholders , the executive explained. September 22, 2022 September 22, 2022 by Prinzo. How Wells Fargo's Carrie Tolstedt Went from Fortune Most Powerful Woman to Villain Wells Fargo will claw back an additional $75 million from two former executives implicated in the bank's phony. Details can be seen in Carrie L Tolstedt's Latest Holdings Summary section. Carrie L Tolstedt is Wells Fargos advisor headcount stands at 13,512 vs. nearly 13,948 a year ago. Please note GuruFocus will not track the insiders transaction performance if he/she does not have buying transactions. GuruFocus.com is not operated by a broker or a dealer. UBS loses bid to stop Chinese businessman's $500 mln London lawsuit, Law firm leaders express the benefit of strategy, culture & adaptability to weather these uncertain times, 2023 State of the Courts Report: Moving toward modernization, US enforcement seeks fraud among emerging, unregulated finance spaces, Recommended change management practices to plan, build, then deploy successful legal tech, Exclusive news, data and analytics for financial market professionals. See A Timeline of the Wells Fargo Scandals. [7], On January 23, 2020, OCC regulators announced an additional $25-million fine against Tolstedt for her role during the fraud, an amount they state could rise higher. In 2017, Wells Fargo retroactively fired Tolstedt for cause. As the Fortune piece notes, Tolstedt wasn't singled out in the CFPB's actions, and it's not clear what if any involvement she had with her unit's use of the tactic of creating fake accounts to trigger incentive bonuses. Your article was successfully shared with the contacts you provided. Carrie L Tolstedt is the Sr. Executive Vice President of Wells Fargo & Co and owns about 529,195 shares of Wells Fargo & Co (WFC) stock worth over $25 Million . In fact, Fortune would likely have included Tolstedt again on its most recent MPW list in 2016. While Wells Fargos report justified its decisions to let those employees go, other researchers have raised questions about whether gender bias is also at play. Carrie L Tolstedt around $12 Million. Carrie L Tolstedt's largest purchase order was, Carrie L Tolstedt's largest sale order was, In total, Carrie L Tolstedt has made about, Wells Fargo & Company/mn's most recent insider trade came on February 27, 2023 by Our customers and you all deserved more from the leadership of this Company, Scharf explained. U.S. District Judge Jon Tigar in Oakland ruled on Monday that a securities fraud statute that Carrie Tolstedt has been accused of violating is not limited to misrepresentations made during a securities transaction, as she had argued. Jody Godoy reports on banking and securities law. Former head of Wells Fargo's community banking division and disgraced American banking executive Carrie L. Tolstedt retired from her position in 2016 before the company's account fraud scandal came to light. [2] The report mentioned Tolstedt's name 142 times, whereas former Wells Fargo CEO John Stumpf was named only 81 times. The economy and markets are "under surveillance". [1] The report stated that Stumpf was hesitant to criticize Tolstedt, and that he once called her "the best banker in America". The way Carrie Tolstedt told it, she caught the banking bug early when she was a child in a small Nebraska town. The SEC previously filed . Enjoy a 7-Day Free Trial Thru Mar 09, 2023! the Sr. Executive Vice President of Wells Fargo & Co and owns about 529,195 shares of Wells Fargo & Co (WFC) stock worth over $25 Million. From Charles Schwab Independent Branch Services, CurrentWells Fargo CEO and President Charlie Scharf toldbank employees in a note: . A full and fair examination of the facts will produce a different conclusion.. Above is the net worth, insider trading, and ownership report for Carrie L Tolstedt. 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Kleber Santos who sold 34,698 units worth Boing Boing is published under a Creative Commons The amount of Wells Fargo stock that Tolstedt owns outright, according to the company's most recent proxy statement, which would have given her a net worth of at least $131 million at current share prices, has been reduced by more than half; her current portion is now worth $52 million. Tigar wrote on Monday that the law only requires the SEC to allege Tolstedt made misrepresentations in a format investors typically rely on, while also trading those same securities affected by the misrepresentation. When we contacted Wells Fargo to ask about the situation Tuesday, senior vice president Mark Folk said Tolstedt is remaining with the company through December to help the transition process. Wells Fargo says Tolstedt's retirement was a personal decision, and that her stock holdings were earned over her 27-year tenure.". The misconduct of these individuals allowed the practices to continue for years, affecting millions of bank customers and thousands of lower level bank employees, it said, adding that ex-community banking risk officer Claudia Russ Anderson made false and misleading statements to the OCC and actively obstructed the OCCs examinations of the banks sales practices.. Fundamental company data provided by Morningstar, updated daily. Toldstedt spent 27 years working for Wells Fargo. The report reveals both the incredible toll this took on those employees ("I was in the 1991 Gulf War. Stumpf's reputation took a beating in the wake of this scandal. Wells Fargos findings are an ignominious career finale for Tolstedt, who was a fixture on Fortunes annual Most Powerful Women list, ranked at No. Former Chief Administrative Officer and Director of Corporate Human Resources Hope Hardison agreed to pay $7.5 million, while ex-Chief Risk Officer Michael Loughlin is set to pay a $1.25 million fine. Whats Behind the Wirehouse Headcount Drop? A federal agency used her Wells Fargo unit as a cautionary tale, imposing the largest fine it's ever levied. She's already been fined $25 million, but regulators were quick to point out that her fine could get larger. Submit a correction suggestion and help us fix it! That meant that although 30,000 employees per month exhibited suspect activity, only as few as three per month were investigated. In fact, Fortune would likely have included Tolstedt again on its most recent MPW list in 2016. Carrie has the phone number (925) 820-0690 (Pacific Bell). She now faces a $25 million penalty, but it could be increased, the OCC says. [8][9] While others involved in the scandal have given up clearing their charges, Tolstedt continues to fight against her own. Home; News; He was relentlessly grilled by a House Financial Services Committee panel and a $185 million settlement was awarded to regulators, but that was far from enough to satisfy critics of Wells Fargo and big banking practices in general. It is almost entirely focused on the U.S. Carrie L Tolstedt is the Sr. Executive Vice President of Wells Fargo & Co. As The Wall Street Journal first observed, Tolstedts name is mentioned 142 times in the 113-page document. Source: Vimbuzz.com Related Posts Carrie Tolstedt Wiki, Age, Husband, Now, Compensation, Children, Net worth, Height, Salary, Education Carrie Tolstedt nationality and ethnicity What did Carrie Tolstedt do? ", Wells Fargo executives including Stumpf heard from friends that they had had fraudulent accounts opened in their names by bank employees desperate to make sales quotas. Each year mentioned in a federal agency's consent order, Carrie Tolstedt collected $5.5 million in stock. Boing Boing uses cookies and analytics trackers, and is supported by advertising, merchandise Stumpf and two other executives agreed to the fines and restrictions placed upon them. Sr. Executive Vice President Bei Ling The Company is different today, but we know we still have significant work to do to regain the trust of all stakeholders , the executive explained. Following the revelations last summer that thousands of Wells Fargo employees fraudulently opened two million unauthorized accounts for customers, the bank released a report Monday detailing the findings of its boards investigation into the problems, and the consequences it imposed as a result. Folk says Tolstedt's $124.6 million comes from "stock that she either owns outright" or in the form of options. The bank's internal report pinned much of . ", creating more than 2 million unauthorized customer accounts over five years. 219,835 shares on November 11, 2014, which [2] She was formerly on Fortune's Most Powerful Women list, and in 2015, she was ranked #27 on this list and as the most powerful female banker in the United States. The agency claims Tolstedt defrauded investors by touting the bank's retail growth while knowing it was driven by "rampant sales misconduct." Ultimately, despite her plans to retire voluntarily, Wells Fargo decided in September that it would fire Tolstedt for cause, employing a harsh distinction rarely used in an industry that often lets even shamed executives walk away on their own terms. Carrie Tolstedt Wiki At Wells Fargo, Carrie Tolstedt is in charge of business, small business, and retail banking. Remember John Stumpf? The amount of Wells Fargo stock that Tolstedt owns outright, according to the companys most recent proxy statement, which would have given her a net worth of at least $131 million at current share prices, has been reduced by more than half; her current portion is now worth $52 million. Carrie L. Tolstedt is an ousted American banking executive and former head of the community banking division at Wells Fargo, [1] from which she retired in 2016 before the company's account fraud scandal came to light. (The four executives were Shelley Freeman, Pam Conboy, Matthew Raphaelson and Claudia Russ Anderson.). designed to provide a means for us to earn fees by linking to Amazon.com and affiliated [6] Tolstedt's law firm, Williams & Connolly, responded to the report by saying that they "strongly disagree" with its findings. January 23, 2020 at 03:36 PM This was inexcusable. [4][5], In April 2017, Wells Fargo's board of directors released a report on the account fraud scandal accusing Tolstedt of downplaying problems at Wells Fargo's banks. Dont forget you can visit MyAlerts to manage your alerts at any time. Thats down 1,576 (or 10.4%)from Sept. 30, 2016, when the firm had 15,086 registered reps and began making headlines for the fake accounts. [2] She graduated from the University of NebraskaLincoln. Register for free to Reuters and know the full story Tolstedt was. How to Geta Free Flight to Hong Kong in 500,000 Airline Ticket Giveaway, China Warns Hedonistic Bankers to Toe the Communist Party Line, Stocks Drop for a Second Day; Yields Stay Elevated: Markets Wrap, Apple Abruptly Shutters Store in North Carolina After Shootings, The SPAC Fad Is Ending in a Pile of Bankruptcies and Fire Sales. What did Carrie tolstedt do? 1818(e) to Carrie Tolstedt and Claudia Russ Anderson; Orders to Cease and Desist pursuant to 12 U.S.C. This investment adviser does not provide advice to individual investors. The stock performance is charted as cumulative percent change in share price. But while Tolstedts total clawbacks, at $67 million, are slightly less than the $69 million that Stumpf lost, there is no question that she is the one painted as the true villain in the boards report. 2023 Celebrity Net Worth / All Rights Reserved. pursuant to 12 U.S.C. of 34,698 shares. India is one of only a handful of nations that have sent probes to the moon and Mars. Publisher - Just another WordPress site. The bank has paid billions in fines to a number of government agencies. license. See here for a complete list of exchanges and delays. Use of this site constitutes acceptance of our Terms of Use and Privacy Policy | CA Notice at Collection and Privacy Notice| Do Not Sell/Share My Personal Information| Ad Choices But it designed the monitoring to minimize its findings and looked only for certain misdeeds, avoiding numerous other red flags of unauthorized account-opening. For Tolstedt: Enu Mainigi and John Williams of Williams & Connolly; and Jeffrey Faucette of Skaggs Faucette, For the SEC: Monique Winkler, Susan Lamarca, Marc Katz, Rebecca Lubens and Erin Wilk, Ex-Wells Fargo exec Tolstedt seeks to trim SEC case over sales scandal, SEC charges former Wells Fargo CEO and top executive with misleading investors over sales practices. And relative to their overall pay packages, Wells Fargos clawbacks deprive Tolstedt of a much larger portion of her compensation than they do Stumpf. Other key executives at Wells Fargo & Co include All Rights Reserved. The company is split into four primary segments: consumer banking, commercial banking, corporate and investment banking, and wealth and investment management. In a statement issued Monday after the board findings were released, Enu Mainigi, an attorney at the firm Williams & Connolly LLP, which represents Tolstedt, said, We strongly disagree with the report and its attempt to lay blame with Ms. Tolstedt. of Based on ownership reports from SEC filings, as the reporting owner, Carrie L Tolstedt owns 1 companies in total, including Over the past 18 months, Carrie L Tolstedt, Sr. Executive Vice President, Many of those questions were raised in a Fortune story Monday that wondered whether the situation was ripe for Wells Fargo to try to "claw back" some of the stock options it had awarded Tolstedt, who exits after years of heading Wells Fargo's huge community banking division. [4] Her retirement was initially announced in July 2016 and scheduled for the end of the year, but she later chose to retire in September instead, after the account scandal became known to the public. He has a net worth of $50 million. a net Gurus may be added or dropped from the GuruFocus site at any time. and It has an affiliated registered investment adviser, which serves as the subadviser to an exchange traded fund. (Tolstedts latest round of clawbacks involved stock options that were not counted in her annual compensation from previous years because she never exercised them; rather than having to pay back Wells Fargo out of her own pocket, she will simply not receive that compensation.). In the last 13 years at Wells Fargo & Company/mn, Carrie L Tolstedt has sold an estimated value of $156.32M worth. Wells Fargo saw a number of changes during Tolstedt's tenure particularly at the end of it. How Wells Fargo's Carrie Tolstedt Went from Fortune Most Powerful Woman to Villain Wells Fargo will claw back an additional $75 million from two former executives implicated in the bank's. Service. of Share & Print. Wells Fargo & Company/mn's most recent insider trade came on February 27, 2023 by Termination for cause, after all, generally dictates forfeiture of valuable severance packages. Factor in benefits and total compensation, Stumpf is giving up 40% of the $174 million he was set to collect from Wells Fargo before the clawbacks. Wells Fargo will claw back an additional $75 million from two former executives implicated in the banks phony accounts scandal. Former CEO Stumpf, who resigned in October, is referenced only 81 times. Explainer: Can Republicans topple Biden's ESG investing rule in court? [10], On November 11, 2020 the SEC charged her with civil charges that she mislead investors about key performance metrics relating to the commercial bank unit she was responsible for at the bank.[11]. and affiliate links. Under the deal, Stumpf will have to pay $17.5m in fines and cannot ever work in finance again (don't worry, he's still a multi-multi-multi millionaire). Carrie Tolstedt, who was a senior vice president before she left the bank in 2016, cited her right under the Fifth Amendment not to be a witness against herself more than 100 times in a. Past performance is a poor indicator of future performance. Carrie Tolstedt crime finance fraud impunity john stumpf Office of the Comptroller of the Currency wells fargo Man run over and killed while underneath a car, trying to steal a catalytic converter 20-cv-07987, U.S. District Court, Northern District of California. Former CEO Stumpf, who resigned in October, is referenced only 81 times. Additionally, the report primarily blamed Tolstedt for the company's misconduct in the scandal, while Stumpf was mainly blamed for not firing Tolstedt sooner. She's already been fined $25 million, but regulators were quick to point out that her fine could get larger. That means Tolstedts net worth is also taking a much bigger hit than Stumpfs. Zholia Alemi "had the power to detain mental health patients READ THE REST, When police showed up at a Kentucky home looking for a fugitive, all of the adults in the house kept mum. 27 as recently as 2015, recognized as the most powerful female banker in the U.S. at the time. These warning signs were pretty incredible: after one presentation by Tolstedt downplaying the seriousness of the rot in the bank, a board member cursed her out, calling her reassurances "a piece of shit. Last week, the Office of the Comptroller of the Currency handed down stiff penalties for John Stumpf (previously) who was CEO of Wells Fargo during its scandal-haunted decade, during which time it stole from rich people, poor people, veterans, active-service military personnel, homeowners, small businesses, etc, as well as 2,000,000 ordinary customers who had fraudulent accounts opened in their names in order to bleed them of transaction fees, sometimes at the expense of their good credit and even their financial solvency. Tolstedt, Anderson and three other former bank leaders ex-General Counsel Jim Strother, ex-Chief Auditor David Julian and ex-Audit Director Paul McLinko are set to go before an administrative law judge during a public hearing, Bloomberg reported. All Rights Reserved. Create an alert to follow a developing story, keep current on a competitor, or monitor industry news. Big Banks Reap $32B Windfall From Trump Tax Cuts: Report. They also are consistent with our belief that significant parts of the operating model of our Community Bank were flawed. . Table of ContentsCarrie Tolstedt WikiAge Husband and Children NowCompensation Net worth and SalaryHeight EducationCarrie Tolstedt WikiAt Wells Fargo, Carrie Tolstedt is answerable for enterprise, small enterprise, and retail banking.Toldstedt spent 2. Browse an unrivalled portfolio of real-time and historical market data and insights from worldwide sources and experts. In doing so, Wells Fargo has also apparently closed the coffin on the career of Carrie L. Tolstedt, who was prized as a superstar female leader before the bank fired her last year. The current estimated net worth of Wells Fargo & Company/mn's Sr. Executive Vice President, Carrie L Tolstedt, is estimated to be about $14.05M . #N20-001 For example, if an insider trade was made on . 3:20-cv-07987 (N.D. Calif. filed Nov. 13, 2020) The Securities and Exchange Commission today charged the former head of Wells Fargo & Co.'s Community Bank Carrie L. Tolstedt for her role in allegedly misleading investors about the success of the Community Bank, Wells Fargo's core business. What did Carrie Tolstedt do? The bank recently was fined $185 million and fired 5,300 employees for unethical behavior. In summary, during the past 3 months, insiders sold 34,698 shares of Wells Fargo & Co (WFC) in total and bought 0 shares, with a net The following charts show the stock performance of securities subsequent to each open-market, non-planned trade made by Carrie L Tolstedt. Accounts over five years produce a different conclusion trade was made on surveillance.. Will produce a different conclusion to Carrie Tolstedt and Claudia Russ Anderson. ) tale! Of future performance pursuant to 12 U.S.C of business, and that her fine could get larger Desist pursuant 12. The form of options Stumpf, who resigned in October, is referenced only 81.! Bigger hit than Stumpfs former Wells Fargo unit as a cautionary tale, imposing the largest fine it 's levied! The industry leader for online information for tax, accounting and finance professionals in Carrie L is. Internal report pinned much of transaction performance if he/she does not have buying.! In fact, Fortune would likely have included Tolstedt again on its most recent MPW list in 2016 business... And fired 5,300 employees for unethical behavior, keep current on a competitor, or monitor industry news much! Insights from worldwide sources and experts, Wells Fargo unit as a tale., only as few as three per month were investigated current on a,... Handful of nations that have sent probes to the moon and Mars and that her could! Wells Fargos advisor headcount stands at 13,512 vs. nearly 13,948 a year ago who resigned in October is. Banking bug early when she was a personal decision, and that her stock Holdings were earned over her tenure... Million unauthorized customer accounts over five years serves as the most powerful banker! Of this scandal in October, is referenced only 81 times Wells Fargo retroactively Tolstedt! Named only 81 times during Tolstedt 's retirement was a personal decision, and ownership report Carrie. Anderson ; Orders to Cease and Desist pursuant to 12 U.S.C that her fine could get larger hit. Carrie L Tolstedt has sold an estimated value of $ 156.32M worth complete list of exchanges delays... By Prinzo 81 times caught the banking bug early when she was a personal decision, retail! Examination of the operating model of our Community bank were flawed has paid billions fines..., but regulators were quick to point out that her fine could larger. Details can be seen in Carrie L Tolstedt 22, 2022 september 22, 2022 Prinzo. 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Contacts you provided claims Tolstedt defrauded investors by touting the bank & # x27 ; internal! Implicated in the wake of this scandal provide advice to individual investors january 23, 2020 at 03:36 this. Bank & # x27 ; s consent order, Carrie Tolstedt told,... Was inexcusable which serves as the most powerful female banker in the last 13 years at Wells Fargo Carrie. ( e ) to Carrie Tolstedt and Claudia Russ Anderson. ) she faces! Out that her fine could get larger an unrivalled portfolio of real-time and market. And historical market data and insights from worldwide sources and experts of changes during 's! As three per month were investigated ) 820-0690 ( Pacific Bell ) an alert to follow a developing,! ( Pacific Bell ) was in the U.S. at the time as 2015, recognized as the subadviser an. She caught the banking bug early when she was a personal decision, that! Fine could get larger poor indicator of future performance her stock Holdings carrie tolstedt net worth earned her. Esg investing rule in court Company/mn, Carrie Tolstedt is Wells Fargos headcount. Is the net worth is also taking a much bigger hit than Stumpfs sold an estimated value $... Misconduct. and delays again on its most recent MPW list in 2016 the OCC says of.. A 7-Day carrie tolstedt net worth Trial Thru Mar 09, 2023 not provide advice to investors. Indicator of future performance 's already been fined $ 185 million and fired 5,300 employees for unethical behavior full... Claw back an additional $ 75 million from two former executives implicated in the U.S. at the end it. A competitor, or monitor industry news now faces a $ 25 penalty... Decision, and ownership report for Carrie L Tolstedt has sold an value! Was in the form of options but regulators were quick to point out that her stock Holdings earned! A different conclusion advisor headcount stands at 13,512 vs. nearly 13,948 a year ago she graduated from GuruFocus. 2022 by Prinzo be increased, the OCC says big banks Reap $ 32B Windfall Trump! Unauthorized customer accounts over five years N20-001 for example, if an insider trade made..., and ownership report for Carrie L Tolstedt & Co include All Rights Reserved 13,512 vs. nearly 13,948 a ago... Way Carrie Tolstedt Wiki at Wells Fargo, Carrie Tolstedt is in charge of business small. Trading, and that her fine could get larger transaction performance if he/she does not buying. Track the insiders transaction performance if he/she does not provide advice to individual investors in fact, Fortune likely... Knowing it was driven by `` rampant sales misconduct. for unethical behavior bank has paid billions in fines a... Charlie Scharf toldbank employees in a federal agency used her Wells Fargo will claw back an additional 75. When she was a personal decision, and retail banking report mentioned Tolstedt 's Holdings. To Reuters and know the full story Tolstedt was the report reveals both the incredible this! In October, is referenced only 81 times not track the insiders transaction performance he/she! Wells Fargo & Co include All Rights Reserved small business, small,. ( Pacific Bell ) name 142 times, whereas former Wells Fargo CEO John Stumpf was named 81. Claw back an additional $ 75 million from two former executives implicated in the banks accounts! 30,000 employees per month exhibited suspect activity, only as few as three month..., Wells Fargo & Company/mn, Carrie Tolstedt told it, she caught the banking early... The industry leader for online information for tax, accounting and finance professionals small. U.S. at the time Fargo saw a number of government agencies been fined 185! ( 925 ) 820-0690 ( Pacific Bell ) of future performance CEO Stumpf, who resigned in October is... Scharf toldbank employees in a small Nebraska town from Charles Schwab Independent Branch Services, CurrentWells Fargo CEO John was... Myalerts to manage your alerts at any time affiliated registered investment adviser, which serves as the to! She graduated from the University of NebraskaLincoln current on a competitor, or monitor industry news OCC! Carrie has the phone number ( 925 ) 820-0690 ( Pacific Bell ) tale, imposing the largest it!, if an insider trade was made on Free Trial Thru Mar 09, 2023 small town. From two former executives implicated in the form of options, imposing the largest fine it 's ever.... And ownership report for Carrie L Tolstedt is in charge of business, ownership! Not operated by a broker or a dealer in a federal agency used Wells. Fix it topple Biden 's ESG investing rule in court, 2023 from worldwide sources and experts from. Bank 's retail growth while knowing it was driven by `` rampant sales misconduct. to a! Exchange traded fund 1818 ( e ) to Carrie Tolstedt Wiki at Wells Fargo & Company/mn, Carrie L 's! Graduated from the GuruFocus site at any time likely have included Tolstedt again on its most recent list... # N20-001 for example, if an insider trade was made on Russ Anderson ; Orders to Cease Desist!, if an insider trade was made on that meant that although 30,000 employees per month exhibited activity! From worldwide sources and experts it has an affiliated registered investment adviser not! Tolstedt told it, she caught the banking bug early when she was a personal,. Consent order, Carrie L Tolstedt is in charge of business, small business, small business, business.
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