The "test", demonstrable consent, is critical. They should be checking it but even if they are not, what will you do when a customer claims debits have been coming from their account for the last 9 months and they were not aware, because they couldn't read the statements you were sending them. Regardless of what examiners examine for, there is the legal requirement for this.
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AndyZ CRCM
My opinions are not necessarily my employers.
R+R-R=R+R
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell