you guys seriously need to atleast read the regulations and know how fincen/sec/fsa work.. they are not pro-active. they are reactive.

meaning if they get a complaint then they will act. if when acting they find something iffy, they will enforce.

so as long as you learn the rules and use them wisely to your advantage, so that if EG
a scammer tries to do a charge back, which triggers the banks to internally investigate and ask you questions. and you give them satisfactory information. they wont then make a SARS report to then cause fincen/FSA/SEC to come looking at you in detail.

fincen rules are for financial institutions to do internal investigations first. and only file a SARS report if the institutions own investigations dont end in complete satisfaction.

so the simple solution is to not lie, not hide details. comply with the rules and the snowball of headaches does not start rolling. it stops early on and you get to continue with business.