The Financial Post reports in its Saturday edition that the $3.09-billion (U.S.) fine levied against TD Bank by U.S. authorities last week came as no surprise to those who have followed the bank's anti-money-laundering troubles. The Post's Naimul Karim writes, however, that a decision to cap the Canadian lender's growth south of the border came as a shock, one that analysts say will ensure the scandal's shadow lingers over the bank, clouding its long-term outlook. On Thursday, TD attempted damage control, describing 2025 as a "transition" year and unveiling a host of steps it will take in an attempt to mitigate the impact of the curbs on its personal and commercial banking businesses. Those steps include selling 10 per cent of its U.S. assets to create liquidity and support the financial needs of its customers, alongside measures to improve return on equity metrics in the near term. Despite those efforts, Jefferies Inc. analyst John Aiken said that it is going to be an "absolute nightmare" to forecast TD's earnings in the coming quarters. "TD laid out its plan, but we don't know the specifics," he said. "We don't know what's going to happen when. We don't know what the unintended consequences [of the caps] are going to be."