step 1: test existing configuration with crypt32 set to builtin in winecfg.
RESULT: Online banking works. No errors and no 100% CPU usage.
step 2: Set crypt32 to builtin in winecfg.
RESULT: Online banking fails with "An unexpected communication error occurred. (OFXIE-2146869247). However, no 100% CPU usage occurred. Therefore, this change does not explain the original problem AFAIK. Certainly, the original problem was not reproduced in this test.
step 1: test existing configuration with crypt32 set to builtin in winecfg.
RESULT: Online banking works. No errors and no 100% CPU usage.
step 2: Set crypt32 to builtin in winecfg.
RESULT: Online banking fails with "An unexpected communication error occurred. (OFXIE-2146869247). However, no 100% CPU usage occurred. Therefore, this change does not explain the original problem AFAIK. Certainly, the original problem was not reproduced in this test.