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I have found CCBill's site review policies to be firm but fair.
As for the age issue, we had a site go for review and CCBill asked us for age doc on a couple of models because whomever reviewed the site was just a little concerned that the models in question looked a little young. We were happy to comply.
I've also seen a number of eastern european sites that raised a bunch of questions on one of the gay webmaster boards because a LOT the models looked very underage. A couple emails to CCBill and within 48 hours, the site was no longer processing with CCBill. (Segpay picked them up and showed no interest even after a bunch of webmasters emailed them.)
I also know of a site that very aggressively pushed the line, using very young-looking (but legal) models with text that, in my opinion, was way over the edge (in combination with the pics) in implying CP. The operator of said site was very upset when CCBill would not approve his site. He'd asked for opinions from a number of gay webmasters, all of whom said that he would likely have problems getting his site approved, and then was surprised when CCBill turned him down.
As for stolen content, I've known of several situations where CCbill has taken a site offline (if they hosted it) or yanked processing. My experience is that CCBill has ALWAYS been totally stand-up and reasonable about these issues, and honestly, more so than any other processor I'm aware of or have worked with.
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