Steven, as I previously posted:

Quote:
...it's his right to be lazy or stupid.

To that, I would add, "or excessively cautious."

If I were doing a transfer with you, you would have all the information you would need about who I am. If you choose to have excessively restrictive practices, I simply won't do business with you. Nothing personal, it's just business. Your caution will waste my time and money, and I can go elsewhere for the services I need, in full compliance with the law.