They might be exposed to legal risk if they don’t clamp down on this. As a non-bank they do not have the KYC and AML laws in place to actually comply with feder

They might be exposed to legal risk if they don’t clamp down on this. As a non-bank they do not have the KYC and AML laws in place to actually comply with federal regulation, and you might be accidentally turning them into a money transmitter.