For the dirtbags amongst you.
Charter a bank in NY, open an office in FL and issue certified checks on behalf of your customers. Stop payment on these certified checks in violation of FL (but not NY) law. No one can touch you.
I have gone round and fucking round with both the FL and NY banking departments over this. FL won't do shit because the bank is chartered in NY...even though the bank is operating in FL and fucking over FL citizens. NY won't do shit, because these actions do not violate NY law and the banking division will not interpret FL law.
When I asked "to whom should I direct my complaint, then", I was told...no shit..."You should write your congressman and get the law in FL changed."
We'll see if my complaint to the Federal Reserve helps. I doubt it.