After writing my post that @equity78 quoted, I realized... 1. that Epik's banner ad here on NP claims they offer "escrow". 2. that the title of this thread also claims Epik offers "escrow" services. Not good, IMHO. But I am not a lawyer. I guess what it really comes down to is if it is illegal in the USA to call a service "escrow" even if you are not registered and regulated as an escrow service. If there is no federal law concerning this, then it would have to be taken from a state level (which is the angle Escrow.com seems to be taking). I can definitely see why an escrow company would not be happy if other businesses can claim to offer escrow services without licensing/regulation, yet they have to spend money on said licensing and regulation simply because they exclusively operate as an escrow service. It makes no sense. If all you need is trust from the public to profitably offer escrow services, then why is Escrow.com different than anyone else? Why should they have to be subject to regulation and whatnot? My guess is, if in fact it is not legal to claim to be an escrow service without actually be licensed and regulated as such, then someday there's gonna be a big govt smack-down (federal or state) on those that use "escrow" to describe their "safe buying process". Again, I'm not a lawyer and I don't claim to be.