FINCEN has no jurisdiction for Cryptocurrency to Cryptocurrency transfers. Maybe they would like to; but in reality anywhere outside of US it would be absurd. If FINCEN pursues this then all innovation will move overseas.
I have no problem with CoinBase's non invasive process. NO PHOTO ID. NO Social Security number. Plus they deal with MY fiat.
Well of course FINCEN doesn't have jurisdiction out side of the USA, it is a USA regulatory agency. However I assume bitcoinbuilder is based in the USA so I appreciate they fact they take legal compliance seriously.
I use Coinbase also. Maybe the reason they don't need a photo ID is because they validate your identity via a direct transaction to your bank account.