You could argue that because this is a liability issue, something that drains our collective efficiency, and isn't a profit center for any business, that it sho

You could argue that because this is a liability issue, something that drains our collective efficiency, and isn't a profit center for any business, that it should be regulated by the government to some degree. The CFPB for what it's worth has at least somewhat solved the predatory nature of certain banking practices, I've heard plenty of stories of threats to escalate to the CFPB getting real results for customers.