Legal Question in Banking Law in Massachusetts

Re: bank of america check cashing fees

you can always check with your state's division of banking to see if there are any regulations being breeched. But if the issue is constitutional, the obvious answer is: 1) Why not simply deposit the check at your own bank? Or, 2) refuse to accept checks from Bank of America or any other bank whose check cashing policies you do not want to abide by?

Most of these rules are in place due to the large number of persons (heroin junkies usually) cashing stolen checks. In my humble opinion, the policies would easily withstand any constitutional/privacy challenges in a court of law as they are reasonably calculated to achieve a discreet purpose, to wit: identify persons utilizing their services and be able to provide identifying information (name/address/social security number of customers and fingerprints of non-customers) in the event of a fraud... the $6 fee would likely be deemed a reasonable cost adjustment to offset the costs of collecting and maintaining this information and to insure against laosses due to frauds committed by persons cashing stolen checks.