Thanks for sharing. This one, to me at least, seems less worrisome than the previous memo (which was an internal WM memo I believe). That one talked about specific actions whereas this one just describes what is behind MS broadly. Many stores near me that sell WU money orders have a sign up saying it has to be a bank issued debit card with one's name on it, etc. etc. and many do follow those orders. As far as I can read, this memo doesn't change things but time will of course tell.