https://www.econstor.eu/bitstream/10419/271918/1/cesifo1_wp10274.pdf
https://corporateeurope.org/en/2023/01/spamming-regulator
https://www.fincen.gov/sites/default/files/shared/FinCEN%20Enforcement%20Statement_FINAL%20508.pdf
https://fpc.org.uk/wp-content/uploads/2020/12/Unsafe-for-Scrutiny-December-2020-publication.pdf