Dan my first bank offered this "program" before I started there in 1983. It has been around a long time but really gained popularity 10 years ago. I think the perceived regulatory abuses were discussed then and came into more regulatory control in your 6 or 7 year time frame.
I hadn't heard of this either and wonder what the chances are that it will pass in the House and the Senate?
My opinions are not necessarily my employers.
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell