CUs/banks here have been shutting off the option to send international wires. Guess it's more hassle in complaints, AML horseshit, and fraud than's worth for them... but it makes life a good bit more difficult.

The one time I did send an international wire with a local CU (they've since revoked the option), it was quite an adventure for both the teller and myself, and she was very nosy, I'd hope because she was worried I might be sending money to a Nigerian prince. You never know with the BSA, though.

Speaking of which -- how can a financial institution comply with a Bank SECRECY Act and expect trust? Bah. "Yeah, we might be monitoring you, filing reports behind your back and consciously thinking about how to defraud you -- but trust us - we're a bank!" I don't think terrorists ever imagined how damaging the 9/11 attack would be on Americans.

... What were we talking about?

I don't buy it.  I think it's nothing more than a tightening of AML/BSA/KYC regulations.  Banks don't want to deal with the headache so they're willing to lose you as a customer.  They're getting to borrow money at basically nothing at the discount window, why do you need depositors when you can do that.