IIRC the SLA for FPS is 2 hours. So if a bank stops processing them for an hour, that's within tolerance, and they don't need to tell anyone. I think your poin

IIRC the SLA for FPS is 2 hours. So if a bank stops processing them for an hour, that's within tolerance, and they don't need to tell anyone. I think your point is that it's a very different mindset to the native internet world, and that is certainly true!