For my bank account in Germany, every text message with a security code will list precisely what entering that code will do, so it might read: "Enter code 12345

For my bank account in Germany, every text message with a security code will list precisely what entering that code will do, so it might read: "Enter code 12345 to send $12.34 to Dr Strange, account 1234 at Mystery Bank." Mandating that by law in the US would easily make these scams a lot more difficult to pull off.