> phone rules have been tightened I don't think there have been any material changes in the rules. The problem is the scale at which these companies operate an

> phone rules have been tightened I don't think there have been any material changes in the rules. The problem is the scale at which these companies operate and the question of responsibility. While the regulators occasionally impose financial penalties on these companies for violating norms, I have no idea who verifies that every single customer has been vetted.