They can not disallow doing that (as you wrote, they are required to), but they do make it very hard, because they are unwilling to put up the cost. However, th

They can not disallow doing that (as you wrote, they are required to), but they do make it very hard, because they are unwilling to put up the cost. However, the regulator mandates they should: what needs to be done is make sure they are always taken to task, and that the task is extremely easy to perform.