Two years ago, when Wells Fargo & Co. agreed to pay $185 million to resolve claims connected to its sham accounts scandal, the Consumer Financial Protection Bureau trumpeted its $100 million piece of the settlement as the largest penalty the agency had ever assessed.

Packed into the bureau’s press release were detailed claims that Wells Fargo’s compensation incentives drove employees to open accounts without customers’ knowledge and how employees created phony email accounts to enroll customers in online banking services. The announcement was more than 800 words.