US Surgeon General Employment Verification
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Maybe it never existed, but there is the old fashioned idea of putting on a suit and going to talk to the bank manager about a loan and having a real person make a judgement call. While there may be problems with that model, it still had a lot of benefits over being denied something because the form isn't designed for it.
you have multiple chain of commands and grunts at the lower levels with minimal authority (or incentive) to show initiative- leading to a lot of frustration and hair pulling by the customer.