And if you're flagged to the regulator, what do you think is going to happen? They'll contact you and let you know there's a problem, and you need to fix it -

And if you're flagged to the regulator, what do you think is going to happen? They'll contact you and let you know there's a problem, and you need to fix it - that's it. If you continually flout the regulations after being warned then sanctions will be escalated. Half the world is running around saying "I'm going to be fined 20 million euros!" and it's just fear-mongering.