Some merchant categories that have been associated with high-risk activity include, but are not limited to:
Ammunition Sales Cable Box De-scramblers Coin Dealers Credit Card Schemes Credit Repair Services Dating Services Debt Consolidation Scams Drug Paraphernalia Escort Services Firearms Sales Fireworks Sales Get Rich Products Government Grants Home-Based Charities Life-Time Guarantees Life-Time Memberships Lottery Sales Mailing Lists/Personal Info Money Transfer Networks On-line Gambling PayDay Loans Pharmaceutical Sales Ponzi Schemes Pornography Pyramid-Type Sales Racist Materials Surveillance Equipment Telemarketing Tobacco Sales Travel Clubs
Appropriate Supervisory Responses
In those instances where examiners determine that a financial institution fails to have an adequate program in place to monitor and address risks associated with third-party payment processor relationships, formal or informal enforcement actions may be appropriate. Formal actions have included Cease and Desist Orders under Section 8(b) or 8(c) of the Federal Deposit Insurance (FDI) Act, as well as assessment of Civil Money Penalties under Section 8(i) of the FDI Act. These orders have required the financial institution to immediately terminate the high-risk relationship and establish reserves or funds on deposit to cover anticipated charge backs.
As appropriate, the examiner will determine if financial institution management has knowledge that the payment processor or the merchant clients are engaging in unfair or deceptive practices in violation of Section 5 of the Federal Trade Commission Act. In those cases where a financial institution does not conduct due diligence, accepts a heightened level of risk, and allows transactions for high-risk merchants to pass though it, it may be determined that the financial institution is aiding and abetting the merchants. This also could indicate a disregard for the potential for financial harm to consumers and, as a result, the financial institution may be subject to civil money penalties or required to provide restitution.
By publishing content in free access, every user grants it freedom to spread across the Internet and there's no way to stop that process. Even if we're talking about posts plagiarism we need official copyright proof in order to take actions. This is Internet after all. Everything belongs to everyone and any information becomes public sooner or later. VK Support Team.
I wonder if their location puts them in Crimea, the Ukraine, or Russia, and if their policy to ignore copyright laws plays a part in their decision.
Gnomoria is a sandbox village management game where you help lead a small group of gnomes, who have set out on their own, to thrive into a bustling kingdom! Anything you see can be broken down and rebuilt elsewhere. Craft items, build structures, set traps and dig deep underground in search of precious resources to help your gnomes survive the harsh lands. Build your kingdom and stockpile wealth to attract wandering gnomads to your cause, but be wary of also attracting enemies!
Fear is the greatest salesman. -- Robert Klein