Here's one off of the top of my head; it may be very imprecise: 1. Every Bank in the United States of America 2. Every NMLS licensed mortgage lender in USA 3.

Here's one off of the top of my head; it may be very imprecise: 1. Every Bank in the United States of America 2. Every NMLS licensed mortgage lender in USA 3. Every FINRA licensed investment advisor, broker, or trader 4. Eventually, every public school system in the USA. All of these organizations participate because they're required to by law, or through "self-regulation" that's effectively the same as government coercion. And, they do have good reasons for wanting to; cases 1-3 are attempts to stop financial fraudsters from finding employment at their firm. The excuse for case 4 is to stop pedophiles or something (that one I'm actually less familiar with than the other three). Now that you have this list, what are you going to do with it? Moralize at Bank of America until they relax their hiring standards? Wait for the market to produce a bank that doesn't do background checks on employees, and then do all of your business there? Call you Congressman and demand they do something about this terrible injustice (even though this mess was created by people calling their Congressman and demanding they do something about the fraudsters on Wall Street that destroyed the economy in 2008)?