Either BOA or the government.
BOA is the worst bank in the USA. AVOID!
This article bases it’s assumption on a non-existent fact that BoA was EVER good. I have a few stories of their crappiness, including the one where they let someone not associated with my account close my debit cards when I was in a foreign country. When I got back and confronted them over it, they basically said “Sorry, it was a mistake”.
The BoA CEO’s constant mantra is “responsible growth.” The type of growth they were just fined for is the opposite of responsible.