create table if not exists fiTbl (name text primary key not null,
url text,
fi_kind text check(fi_kind in ('bank', 'brokerage', 'CU', 'insurer')) not null default 'brokerage',
lst_kind text check(lst_kind in ('black', 'gray', 'white')) not null default 'white',
hrecaptcha text check(hrecaptcha in ('unavoidable', 'non-essential tasks', 'never')) not null default 'never',
parent text,
cflogin boolean default 0,
antitor boolean default 0,
alec boolean default 0,
forced_nfsw boolean default 0,
aws boolean default 0,
cispa boolean default 0,
dt boolean default 0,
notes text);
/* BEGIN BROKERAGES */
/* insert into fiTbl (name,notes) values ("Evertrade","Where's the website? Sold to TIAA-CREF?");*/
insert into fiTbl (name,url,aws,notes) values ("Janus Henderson","https://www.janushenderson.com",1,"transactional web host (www.secureaccountview.com) is not AWS, but it is Tor-hostile; it's possible to work offline and receive gratis paper statements.");
insert into fiTbl (name,url,dt,notes) values ("Vanguard","https://investor.vanguard.com",1,"");
insert into fiTbl (name,url,notes) values ("Rich Uncles","https://richuncles.com","Real estate investing only");
("Robinhood","https://robinhood.com/us/en/",1,"[Fined $65M](https://nypost.com/2020/12/17/sec-slaps-robinhood-app-with-65m-fine-for-misleading-users) for misleading users; They may have used CloudFlare in the past but apparently that changed");
"min. investment to avoid fees: $100k per account; has a ""impact"" feature to analyze the portfolio's ESG factors w.r.t. the user's ethical views; covers Australia, Belgium, Canada, France, Germany, Hong Kong, Italy, Japan, Mexico, Netherlands, Singapore, South Korea, Spain, Sweden, Switzerland, United Kingdom, and United States; website is **partially Tor-hostile** but the site can be avoided for most operations after sign-up");
"Majority owned by Charles Schwab, a firm that [supports](us_banks.md) republicans, CISPA, drug tests their staff, and treats Tor users with hostility (but note that TDA functions over Tor). Schwab outsources banking operations to PNC bank, which is [quite evil](us_banks.md); [Uses MS Github to host s/w](https://github.com/TDAmeritrade/stumpy)");
insert into fiTbl (name,url,hrecaptcha,notes) values
("Wealthfront","https://www.wealthfront.com","unavoidable","Registration imposes Google reCAPTCHA; [caught](https://www.jpost.com/Breaking-News/US-regulator-sanctions-robo-advisers-Wealthfront-Hedgeable-on-false-disclosures-575044) making false disclosures and [charged](https://www.eastbaytimes.com/2018/12/21/bay-area-robo-adviser-firm-wealthfront-charged-by-sec-with-false-advertising) for false advertising.");
"They censor posts in their Reddit sub that expose the risks of passing sensitive financial data through CloudFlare; also [caught](https://www.ftc.gov/news-events/press-releases/2018/10/online-student-loan-refinance-company-sofi-settles-ftc-charges) in a deceptive advertizing scandal.");
insert into fiTbl (fi_kind,name,url,cispa,dt,notes) values ("insurer","Ameriprise Financial","https://www.ameriprise.com",1,1,"akamai hosted");
insert into fiTbl (fi_kind,name,url,antitor) values ("insurer","Amica","https://www.amica.com",1);
insert into fiTbl (fi_kind,name,url,dt) values ("insurer","Berkshire Hathaway","https://berkshirehathaway.com",1);
insert into fiTbl (fi_kind,name,url,hrecaptcha,cflogin,cispa) values ("insurer","Brown & Brown Insurance","https://bbinsurance.com",'unavoidable',1,1);
insert into fiTbl (fi_kind,name,url) values ("insurer","Erie","https://www.erieinsurance.com");
insert into fiTbl (fi_kind,name,url,parent,notes) values ("insurer","Esurance","https://www.esurance.com","Allstate","akamai hosted");
insert into fiTbl (fi_kind,name,url,alec,dt,notes) values ("insurer","Farmers","https://www.farmers.com",1,1,"akamai hosted");
insert into fiTbl (fi_kind,name,url,dt) values ("insurer","First American Insurance Agency","https://www.faiagency.com",1);
insert into fiTbl (fi_kind,name,url,parent,dt) values ("insurer","Foremost","http://www.foremost.com","Farmers",1);
insert into fiTbl (fi_kind,name,url,alec,dt,notes) values ("insurer","Geico","https://www.geico.com",1,1,"akamai hosted but transactional site ecams.geico.com is not.");
insert into fiTbl (fi_kind,name,url,parent,notes) values ("insurer","Gen Re","https://www.genre.com","Berkshire Hathaway","akamai hosted, but transactional site www.genre-connect.com is not.");
insert into fiTbl (fi_kind,name,url,dt,notes) values ("insurer","National General","https://www.nationalgeneral.com",1,"formerly GMAC");
insert into fiTbl (fi_kind,name,url,dt) values ("insurer","Grange Mutual","https://www.grangeinsurance.com",1);
insert into fiTbl (fi_kind,name,url,parent) values ("insurer","Harleysville Group","https://www.harleysvillegroup.com","Nationwide");
insert into fiTbl (fi_kind,name,url,antitor,cispa,dt,notes) values ("insurer","Hartford","https://www.thehartford.com",1,1,1,"akamai hosted");
insert into fiTbl (fi_kind,name,dt,notes) values ("insurer","Horace Mann",1,"no website, only an access-restricted Facebook page");
insert into fiTbl (fi_kind,name,url,antitor,dt) values ("insurer","Infinity","https://infinityauto.com",1,1);
insert into fiTbl (fi_kind,name,url,antitor,alec,notes) values ("insurer","Lexington","https://www.lexingtoninsurance.com",1,1,"landing page allows Tor access but all links therein refuse Tor; AIG partner");
insert into fiTbl (fi_kind,name,url,antitor,alec,cispa,notes) values ("insurer","Liberty Mutual","https://www.libertymutual.com",1,1,1,"akamai hosted");
insert into fiTbl (fi_kind,name,url,antitor,dt) values ("insurer","Mercury","https://www.mercuryinsurance.com",1,1);
insert into fiTbl (fi_kind,name,url,cispa,dt,aws,notes) values ("insurer","MetLife","https://www.metlife.com",1,1,1,"transactional site identity.metlife.com is not AWS");
insert into fiTbl (fi_kind,name,notes) values ("insurer","N&D Group","no website, only an access-restricted Facebook page");
insert into fiTbl (fi_kind,name,url,antitor,aws,alec,cispa,dt) values ("insurer","Nationwide","https://nationwide.com",1,1,1,1,1);
insert into fiTbl (fi_kind,name,url,antitor,dt) values ("insurer","Progressive","https://progressive.com",1,1);
insert into fiTbl (fi_kind,name,url,dt,notes) values ("insurer","Selective","https://www.selective.com",1,"pushes CloudFlare javascript, but apparently execution is optional.");
insert into fiTbl (fi_kind,name,url,dt) values ("insurer","Shelter Insurance","https://shelterinsurance.com",1);
insert into fiTbl (fi_kind,name,url,antitor,alec,cispa,dt,notes) values ("insurer","State Farm","https://www.statefarm.com",1,1,1,1,"edgecast-hosted");
insert into fiTbl (fi_kind,name,url,aws,dt) values ("insurer","Stewart Information Services Corporation","https://www.stewart.com/en.html",1,1);
insert into fiTbl (fi_kind,name,url) values ("insurer","The General","https://thegeneral.com");
insert into fiTbl (fi_kind,name,url,parent) values ("insurer","Titan","https://titaninsured.com","Nationwide");
insert into fiTbl (fi_kind,name,url,cispa,dt,notes) values ("insurer","Travelers","https://www.travelers.com",1,1,"akamai hosted");
insert into fiTbl (fi_kind,name,url,antitor,cispa,dt) values ("insurer","USAA","https://www.usaa.com",1,1,1);
insert into fiTbl (fi_kind,name,url,hrecaptcha,cflogin) values ("insurer","Western Mutual","https://www.westernmutual.com",'unavoidable',1);
update fiTbl setlst_kind='gray' where lst_kind='white' and (aws or cispa or dt or (notes is not null and (notes like '%tor_hostile%' or notes like '%equifax%' or notes like '%google_cloud_hosted%')));
update fiTbl setlst_kind='black' where cflogin or alec or antitor or forced_nfsw or hrecaptcha='unavoidable' or parent in ('Bank of America','Wells Fargo');
update fiTbl setlst_kind='black' where parent in (select name from fiTbl where lst_kind='black');
update fiTbl setlst_kind='gray' where parent in (select name from fiTbl where lst_kind='gray') and lst_kind='white';
update fiTbl setnotes='parent: '||parent||case when notes is null then''else'; '||notes end
where parent is not null and (notes is null or notes not like '%'||parent||'%');
/* update fiTbl setnotes='**Tor-hostile** resources'||case when notes is null then''else'; '||notes end where antitor and (notes is null or notes not like '%tor_hostile%');*/
American Legislative Exchange Council ("ALEC") is a right-wing super PAC and bill mill that puts corporate interests above the interest of human beings. ALEC:
The OK hand sign ($okhand) indicates that the financial institution still today supports the above-mentioned right-wing agenda through ALEC membership.
Financial institutions that proxy their services through CloudFlare are
blacklisted automatically for taking a profoundly stupid risk with
consumer's sensitive financial data. CloudFlare holds the SSL keys
for every connection and sees all the traffic including username and
unhashed password. CloudFlare has proven to be untrustworthy with
sensitive information (demonstrated by CloudFlare's doxxing of the
identities of child porn whistle blowers). Apart from the
unacceptably high security risk of having a CloudFlare MitM, there are
countless [ethical problems](rap_sheets/cloudflare.md) with being an
enabler of CloudFlare.
EOF
cat <<EOF
The storm cloud ($cloud_lightening) indicates that account access is resticted and exclusive per CloudFlare's will and customers who do get access are forced to share sensitive transaction data with CloudFlare, Inc. (a privacy abuser).
EOF
cat <<'EOF'
# Why CISPA supporters are graylisted
The [Cyber Intelligence Sharing and Protection Act](https://en.wikipedia.org/wiki/Cyber_Intelligence_Sharing_and_Protection_Act)
was a bill to bypass the 4th amendment to promote a system of unwarranted
mass surveillance through information sharing between the government and private sector.
Congress blocked the bill, but it was later reincarnated as CISA and it passed.
Unlike ALEC lobbying, CISPA was a one-off event far in the past, and over 800 companies supported it.
Since it does not necessarily reflect the company's recent stance or influence,
supporters are graylisted instead of blacklisted. They should still be avoided in
favor of a whitelisted competitor, but they are considerably less evil than those that are blacklisted.
The spook (🕵) indicates that the financial institution lobbied for a police surveillance state in favor of CISPA.