Does anyone know if there is a law or regulation I can refer to that talks would prohibit employees from participating in a new account (refer-a-friend type) promotion for customers? I know these types of programs are common, and all that I have looked at say in the small print employee/associates are not eligible for referral program; however, I was having trouble pinpointing a rule against it. 

We are looking at using auto account creation for our online new membership apps though MeridianLink.  If your financial institution uses this have you seen an increase in applications?  Have you experienced any fraud from these members?  Was a membership created that you later realized should not have been?  What do you like about it and what would you change if you could?