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Whoever wrote this article has never actually worked in regulation. Regulatory ambiguity is not necessarily a bad thing. It is both the consequence of our need for natural language to grasp reality and the acknowledgment that facts surrounding the regulated reality are both not completely known as they can be unpredictable.
Actually, whatever restrictions end up embedded into a FinTech design will not be "regulation" at all. Regulation requires the freedom of regulated agents to choose between complying or not. If you have no choice but to comply, that is just system design, but it's far from being any sort of regulation. — Preceding unsigned comment added by Bluesboyzeke (talk • contribs) 14:02, 20 July 2020 (UTC)[reply]