Make up your own mind:
https://youtu.be/Q53Wxx7aLrs
https://www.risk.net/risk-quantum/7841731/wells-fargos-off-balance-sheet-exposures-surged-54bn-in-q1
https://www.propublica.org/article/whistleblower-wall-street-has-engaged-in-widespread-manipulation-of-mortgage-funds