GAO Study published February 27, 2018. Click the "Recommendations" tab.

Wonders never cease. Well, I guess the next "wonder" for me would be banks reaching out to the CFPB and their federal functional regulatory agency and saying, "You need to do this." Naaah, we're too busy with all this compliance junk...

Very interesting.....:while rubbing hands together:, will be interesting to see if this goes anywhere productive.