To maintain and enhance this trust, we continue to strengthen our consumer protection compliance efforts. Today, global consumer protection laws and regulations are constantly changing the world in which we operate. With increased regulation comes increased responsibility to develop an adaptable and flexible world-class compliance program that can help us meet or exceed applicable legal and regulatory requirements. In addition, we work harder than ever to educate consumers about fraud so that they can take action to protect themselves. Western Union has invested a tremendous amount of time and resources in developing and continuously improving our consumer protection compliance programs. At Western Union, compliance is not merely a department or set of rules to follow, it is embedded in our culture and a fundamental part of the way we do business.
