Ads I do not think you have any understanding of the subject you keep posting about. It is clear you have a loathing for banks, especially Spanish banks even though you personally have never had a dispute with one.
You say ‘’ The root cause of the problem is lack of effective Banking regulation and compliance, ineffective reporting and monitoring mechanisms’’ which demonstrates your lack of understanding.
The root cause lies in the why.
Even if you succeeded with your requests, what use are they when it is only the bank shareholders and customers that are punished and fined and the true offenders (Directors) walk away unscathed.
You keep on infecting threads, going off thread with your hatred of Spanish banks. Sometimes you’re disruptive off thread posts seem against forum rules, but that is not for me to judge.
Why not start your own thread ‘’I hate Spanish Banks’’ and leave others to debate what they want.
On this thread, even Willy Woodentop can understand that money transfer companies should state in their headlines ‘’YOUR MONEY IS AT RISK AND THERE IS NO COMPENSATION SCHEME’’ the question Willy doesn’t understand is why it is not there.