Critics of the Justice Department initiative to deny financial services to shady businesses are of the opinion that Operation Choke Point has spread to the Consumer Financial Protection Bureau. They’ve drawn this conclusion because the CFPB has included payment processors as defendants in a lawsuit against debt collectors accused of using robo-calls to harass consumers into paying debts they did not owe.

The message to payment processors is “if you are clearing payments for someone doing something illegal and you have some way of knowing it, then you continue to work with them at your peril,” Chris Willis, a partner at Ballard Spahr law firm, told American Banker.