Good morning, Quartz readers! HERE’S WHAT YOU NEED TO KNOW The biggest banks in the U.S. are being sued for fraud happening on Zelle. The Consumer Financial Protection Bureau is bringing the legal action . Suggested Reading 4 brands making the most reliable new cars, according to Consumer Reports — and 4 brands making the least Christmas festivities and holiday deals, with no major earnings reports to watch this week America's richest Black person, AT&T calls workers back, and leases drive RTO: