>> The way it works is that you bring it physically and they look into it. Not gonna happen, banks for now will rather swallow the relatively low loses due to

>> The way it works is that you bring it physically and they look into it. Not gonna happen, banks for now will rather swallow the relatively low loses due to fraud. In USA you sign a piece of paper (pre-approved loan), or login online and the loan money is deposited in your account within a few days. All automated. So far it works out for them, if fraud loses increase, the banks, not us, will choose the next method. And Congress will approve it within weeks.