All of the companies are needlessly inviting the wrath of regulation on themselves. Sooner or later (probably later) a political consensus could emerge to require detailed human review, subject to a regulator intervening on any/every case, whenever they keep more than $X for more than Y days.
I suggest that it might be smarter for all of these firms to do a better job, voluntarily, of providing human interaction and review - to forestall such regulation as long as possible.
I suggest that it might be smarter for all of these firms to do a better job, voluntarily, of providing human interaction and review - to forestall such regulation as long as possible.