Sadly, the comment as reported is more fluff than substance. If Apple Pay knows about real customers it must be regulated as a Payment Service Provider to ensure that it is diligent in the way it records information about its customers (those making and receiving payments) and ensures that they are who they say they are. That is already law in nearly every country in the world.
There are also laws that state what information has to be in payment messages - including who sent the money and who is getting it.

Apple isn't just providing the wires it is operating e-wallets - they are regulated.

What is his beef? Non-bank competition?