Regulators recognize this problem, but enforcing it can be a stubborn challenge. John Selway, the MIA's assistant chief enforcement officer, monitors an anonymous tip line for bad practices in the insurance industry. He reckons it gets around 10 bail-related complaints a month, but that is not a reliable measure—the bulk of complaints would need to come from a group unlikely to speak out: clients getting too good a deal. The onus is on bondsmen and consumers to report wrongdoing. If a defendant is getting a cut-rate bond, they're unlikely to report it, says Selway, and if one bondsman reports another for discounting bail bonds, it's easy enough for them to deny it. As Victoria August put it, to act on such wrongdoing, you need a "warm body" to testify.