FYI: Just found out today that if you have Kaspersky AV the "Banking protection" module causes this error too. Turn it off (while you need to use VAM) and all is well. Actually... Im not sure which Kaspersky Module does this. I turned a bunch back on and now its broken again. Will need to try them one at a time (and wait between each change) because there seems to be a delay between when you turn them on/off and they actually change. Sigh.