The Office of the Comptroller of the Currency yesterday released its Semiannual Risk Perspective for Fall 2016 discussing risks facing national banks and federal savings associations. Other key risk areas include fintech, cybersecurity, anti-money laundering, and the easing underwriting practices.  American Banker breaks down the report, highlighting the “new focus of ‘governance over sales’ as a key risk issue for large banks” as a direct impact of the Wells Fargo scandal.