I appreciate all advice and information provided by responders.

The information that JamesBigglesworth provided is specifically the information that I sought, so even if it turns out to not be a particularly fruitful avenue, it is still helpful for my overall plan.

I am not counting on any regulator to help me. I am mainly seeking to understand and catalog the various ways and venues in which this may be illegal in order to bolster my eventual court and/or chargeback case(s).