This is regulated in the US. You're not allowed to spam calls nor fraudulently impersonate someone's bank, the IRS, a healthcare provider, a collections agency,

This is regulated in the US. You're not allowed to spam calls nor fraudulently impersonate someone's bank, the IRS, a healthcare provider, a collections agency, etc. There are dedicated lines for reporting these types of calls to the FTC, a nation Do Not Call registry. I can't speak to the manpower dedicated to nor the pursuit of these reports by the FTC, but this is definitely a regulated issue.