Wells Fargo

The scandal-ridden bank appears to have improperly charged fees to customers from Los Angeles to Oregon.

Wells Fargo is atoning for its fake account scandal by loaning $60 billion to African-American homeowners, but years of reverse redlining lawsuits underscore just how deep the problems at the bank go.

Rising rates will obviously send monthly payments higher, but they'll also affect the market in a more unusual way: They're going to hurt all-cash investor purchases of housing, which have been a boon to the most distressed markets.