Bothersome trend by banks

You are forgetting, Will, the ANSI/IICRC S520 Second Edition calls for an Indoor Environmental Professional to make that call about how the mold gets removed, not the EPA.
If it looks like mold, smells like mold and tastes like mold, it is mold. You do not need to test to call out as mold. Testing should only be used to determine the toxicity, you will always get some molds (considered toxic or not) when you test. All mold growths need to be removed, just determining the most effective way without spending a lot of money is the hard part.