WASHINGTON-The Consumer Financial Protection Bureau on Monday warned banks about creating incentives tied to sales goals, underscoring its intention to keep a tight rein on banks in the aftermath of the phony-accounts scandal at Wells Fargo & Co.

In a special bulletin, the CFPB said incentives for employees and service providers “can pose risks to consumers, especially when they create an unrealistic culture of high-pressure targets.”

The watchdog agency laid out steps that banks should take to strengthen their compliance management systems to prevent and detect incentives that could lead to violations of the law.

The CFPB said that in addition to opening accounts without customer consent, banks could violate consumer financial law through behaviors caused by unchecked incentives, such as misrepresenting product benefits to customers or steering consumers toward less favorable products or terms.

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