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b'Following a PR disaster and Senate hearings, the banks that created fraud-riddled Zelle are coming to the reform table. Clark describes testing going on now, soon coming to consumers. Also, the current state of holiday shipping is not what Clark predicted.\\n\\nPotential Zelle Reform: Segment 1\\n\\nAsk Clark: Segment 2\\n\\nHoliday Shipping: Segment 3\\n\\nAsk Clark: Segment 4\\n\\n\\nMentioned on the show:\\n\\nThese Big Banks Are Finally Doing Something About Zelle\\n\\nBest Credit Cards for Students: Top Picks for 2022\\n\\nMy Social Security Number Is on the Dark Web. What Should I Do?\\n\\nHow To Freeze Your Credit With Experian, Equifax and TransUnion\\n\\nSIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know\\n\\nSoFi Review: One-Stop Shop to Spend, Save, Borrow and Invest\\n\\nPirate Ship Review: Pros & Cons of This Cheap Shipping Service\\n\\nIs Now a Good Time To Put Money in a CD?\\n\\nClark.com Community\\n\\nWelcome to Clark\\u2019s Christmas Kids 2022\\n\\n\\nClark.com resources\\n\\nEpisode transcripts\\n\\nClark.com daily money newsletter\\n\\n\\nConsumer Action Center Free Helpline: 636-492-5275\\n\\n\\nLearn more about your ad choices: megaphone.fm/adchoices\\nLearn more about your ad choices. Visit megaphone.fm/adchoices'