Now that the OCC has proposed a limited-purpose bank charter for fintech companies, a host of innovative new banks will soon flood the market — or maybe not.

Scandal, business models gone awry, missing money and executive shake-ups — 2016 had it all. Here are the financial services executives or groups of them who took the heat and will be looking for better times in 2017.

BB&T Corp. in Winston-Salem, N.C., joins a growing list of banks that are dealing with consent orders tied to the Bank Secrecy Act.

Peapack-Gladstone Financial in Bedminster, N.J., has filed a shelf registration statement to sell as much as $100 million in securities.

Liberty Financial Services in New Orleans said it will redeem more than 11,000 shares of preferred stock it issued as part of the Troubled Asset Relief Program after receiving an investment from BancorpSouth in Tupelo, Miss.

City Holding in Charleston, W.Va., is looking to raise up to $55 million in a stock offering.

So now what? New York Community Bancorp and Astoria Financial have been mum about why they nixed their merger agreement, or where they go next, but the companies have a surprising number of options in the current climate.

Citizens Financial Group in Providence, R.I., said Tuesday that it expects to start offering digital small-business loans in mid-2017.

Ameris Bancorp in Georgia wanted to buy a premium-finance business but settled for a joint venture, blessed by its regulators, after being flagged for insufficient Bank Secrecy Act compliance.

United Community Banks in Blairsville, Ga., is searching for a new financial chief officer.

CVB Financial in Ontario, Calif., and Valley Commerce Bancorp in Visalia, Calif., have amended the terms of their planned merger.

New York Community Bancorp in Westbury and Astoria Financial in Lake Success, N.Y., have terminated their merger.

The banking system ultimately needs a balanced approach to capital, which allows banks to efficiently function while also maintaining financial stability.

Lloyds Banking Group Plc agreed to buy Bank of America Corp.'s MBNA credit-card business in the U.K. for 1.9 billion pounds ($2.4 billion) in cash, marking its first major deal since being rescued by British taxpayers eight years ago.

BancorpSouth in Tupelo, Miss., has bought Waguespack & Associates Insurance in Gonzales, La.

MainSource Financial Group in Greensburg, Ind., has agreed to buy FCB Bancorp in Louisville, Ky., for about $56.9 million. The cash-and-stock transaction is expected to close in the second quarter.

Longtime CEO Richard Kovacevich retired from Wells Fargo almost a decade ago, but understanding the scandal that has engulfed the bank requires a close look at the cross-selling mindset that he left for his successors. It was a culture in which the sales often justified the means.

Banc of California in Irvine and PL Capital have reached an apparent truce, as the bank agreed to consider letting the activist investor group submit two nominees to next year's board election.

Dickinson Financial in Kansas City, Mo., has agreed to buy Community Bancshares of Kansas in Overland Park.

Ameris Bancorp in Moultrie, Ga., has entered into a consent order with regulators tied to the Bank Secrecy Act.