Key insight: Wells Fargo has been retreating from the home lending business for years, and negative comments by CEO Charlie Scharf raise the question of whether the bank will consider additional restructuring steps.What's at stake: Despite the issues in Wells' residential mortgage unit, the bank's cards and auto lending businesses appear to be picking up steam.Expert quote: "The consumer continues to spend, delinquencies are probably marginally better than they were the last time we talked publicly about it ...