The 10-K filing states that Wells Fargo wants to be recognized as a great company for everyone by maintaining recruitment and career development practices that support employees and provide an environment that welcomes people from different backgrounds and with different experiences.

The 10-K filing states that Wells Fargo invested approximately $200 million in a variety of employee learning and development programs during 2024.

The 10-K filing states that Wells Fargo offers many benefits, programs, and work arrangements intended to provide employees with flexibility and work-life balance, with some employees in non-customer-facing roles having the flexibility to work up to two days a week remotely.

The 10-K filing states that Wells Fargo's compensation program is linked to performance management and is designed to promote prudent risk management and reinforce its culture and operating standards.

The 10-K filing states that Wells Fargo aims to attract, motivate, and retain people with the skills, talent, and experience to drive superior long-term company performance through compensation and career-development opportunities.

The 10-K filing states that Wells Fargo offers eligible full- and part-time employees and their eligible dependents a comprehensive set of benefits designed to support their physical, financial, and emotional health to help them make the most of their well-being.

The 10-K filing states that the U.S. financial services industry is subject to significant regulation and regulatory oversight initiatives, which may continue to impact how U.S. financial services companies conduct business and may continue to result in increased regulatory compliance costs.

The 10-K filing states that banking statutes, regulations, and policies are continually under review by Congress and state legislatures and federal and state regulatory agencies, as well as non-U.S. governments and financial regulators, and a change in them could have a material effect on Wells Fargo's business.

The 10-K filing states that statutes, regulations, and policies could restrict Wells Fargo's ability to diversify into other areas of financial services, make acquisitions, and pay dividends or repurchase its capital stock.

The 10-K filing states that Wells Fargo's subsidiaries compete with financial services providers such as banks, savings and loan associations, credit unions, finance companies, mortgage banking companies, insurance companies, investment banks and mutual fund companies, as well as increased competition from nonbank institutions.

The 10-K filing states that technological advances may diminish the importance of depository institutions and other financial intermediaries in the transfer of funds between parties.

The 10-K filing states that Wells Fargo's subsidiaries compete with financial services providers and face increased competition from nonbank institutions such as brokerage houses, private equity firms and online lending companies, as well as from financial services subsidiaries of commercial and manufacturing companies.

The 10-K filing states that Wells Fargo continues to evaluate its owned and leased properties and may determine from time to time that certain of its properties are no longer necessary for its operations.

The 10-K filing states that Wells Fargo offers many benefits, programs, and work arrangements intended to provide employees with flexibility and work-life balance.

The 10-K filing states that the Dodd-Frank Act grants broad authority to federal banking regulators to establish enhanced supervisory and regulatory requirements for systemically important firms.

The 10-K filing states that the rule will require the Company to update its technology systems, compliance, third-party risk management programs, and digital channels.

The 10-K filing states that the financial services industry is becoming more competitive as further technological advances enable more companies to provide financial products and services, including electronic and internet-based financial solutions.

The 10-K filing states that Wells Fargo invests in the development of its employees and managers.

The 10-K filing states that Wells Fargo is subject to the FRB's capital plan rule, which establishes capital planning and other requirements that govern capital distributions, including dividends and share repurchases, by certain BHCs.

The 10-K filing states that Wells Fargo is required to have a minimum amount of equity and unsecured long-term debt, often referred to as total loss absorbing capacity, for purposes of resolvability and resiliency.

The 10-K filing states that federal banking regulators require stress tests to evaluate whether an institution has sufficient capital to continue to operate during periods of adverse economic and financial conditions.

The 10-K filing states that federal, state, and non-U.S. governments and government agencies have demonstrated increased attention to the impacts and potential risks associated with climate change and sustainability-related activities.

The 10-K filing states that any current or future rules, regulations, and guidance related to climate change and its impacts could require Wells Fargo to change certain of its business practices or strategies.

The 10-K filing states that Wells Fargo wants to be recognized as a great company for everyone by maintaining recruitment and career development practices that support employees and provide an environment that welcomes people from different backgrounds and with different experiences.

The 10-K filing states that Wells Fargo's business and earnings are affected significantly by the fiscal and monetary policies of the federal government and its agencies.

The 10-K filing states that Wells Fargo is particularly affected by the monetary policies of the FRB, which regulates the supply of money and credit in the United States.

The 10-K filing states that federal banking regulators have adopted rules limiting the ability of banks and other financial institutions to disclose nonpublic information about consumers to nonaffiliated third parties.