And some banks enrol without making it available to all their customers
ANZ bank enrolled, except they did it only for their Australian customers, not their New Zealand customers. But Visa doesn't know that, so whenever I (as a kiwi customer) try to make a purchase, I get a 'Verified by..." dialog that I cannot fill out, because as one of their kiwi customers I cannot sign up for it.
It's completely screwed up and annoying. I wrote about this madness here ( http://www.geekzone.co.nz/foobar/5256 ) and here ( http://www.geekzone.co.nz/foobar/5294 )