That might make it easier to use whitelists, but it does nothing
to solve the real problem, creating and maintaining those whitelists.

Quite right. There are outfits working on creating whitelists, several of which are DAC members.

That gets back to the conflict of interest problem.  Practically the
only sources of operating revenue for mail sender rating organizations
are senders of email.  Practically the only email senders willing to
pay for a rating are those with natural reputations that need improvement.
Consider the history of consumer goods ratings organizations.  However, if
you like the idea, consider Habeas or Ironport.

Also Return Path, Goodmail, and perhaps Trade Micro.

They all do indeed have to skate a thin line, listing people who are willing to pay, but not ones whose mailing practices are bad enough that the whitelist increases the amount of spam you get.

Would you trust that FDIC insurance implies an incoming mail message with a valid DKIM signature is a bank statement instead of an unsolicited bulk offer for a free credit card or brokerage services?

No, but I'd trust that it was actual mail from a bank rather than a phish.

Such a mechanism might reduce phishing, but phishing has never been
the majority of the spam problem.  Besides, judging from the little
spam I see, the phishing problem is much improved in the last several
months.

You must be lucky. I'd say about a third of the spam that gets through the DNSBLs and is caught by spamassassin is phishes.

R's,
John
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