Except that'd probably fall into the CFPB remit, which has just been significantly reduced in scope and veracity due to the current administration... :(
Bank-fraud laws existed for multiple decades longer than there was the (arguably unconstitutional) CFPB, so I'm confident that any activities which actually violate the law will, eventually, be curtailed.
Receiving bank fails to detect simple fraud pattern: Within short period of time: New account opened, Zelle transfer received, Money withdrawn.
Let it rinse and repeat for long enough - and class action will take place.