In a letter to companies in December, Warren said, “The policy change you proposed is well overdue. Consumers deserve better than EWS’s current approach.” Given the consistent unwillingness of major owned and operated banks to cooperate with or provide legislators and the public with complete, complete and factual information regarding fraud on Zelle, your announcement We have little confidence about whether the company will implement the full range of changes necessary to protect consumers from fraud on Zelle.”