[Balgair]

I'd think so as well! But as we have seen in healthcare and other sectors, regulatory capture is possible, if not probable. Though, to be fair, the credit bureaus are in a similar niche and they are frankly a catastrophe. It seems that any 'word of mouth' type business or board that is of any use will eventually become useless as they try to squeeze blood from turnips. Subscriptions/payment may be better, like The Negro Motorist's Guidebook of the 1950's.

[KGIII]

Yeah, I'd think it'd have to be a not-for-profit enterprise with some sort of forced independence and verification. I keep mulling it over and thinking that it's be simple to do, but each idea I come up with finds me also finding ways it can be abused. So, it's not really that easy, I suppose.