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Raj Dasgupta

Senior Director, Global Advisory
BioCatch
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Raj Dasgupta

CFPB Open Banking Rule – Examining Privacy and Security

The development of the Consumer Finance Protection Bureau’s (CFPB) “Open Banking Rule” is causing concerns in the world of financial services. The CFPB’s new focus on open banking is part of the efforts to expand consumer data sharing, a move designed to allow consumers more flexibility in picking services, as well as breaking down barriers to swi...

26 July 2022 Banking Strategy, Digital and Transformation

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CFPB Open Banking Rule – Examining Privacy and Security

Good catch on the typo in the title, thanks!

Open Banking, in a quasi form, has been in practice in the US for many years, e.g. the likes of Yodlee (going back to as early as 1999), Intuit/Mint, MX, Finicity, etc. However, U.S. banks today are not required to provide account access to 3rd party aggregators or have APIs exposed for anybody to have access to their customer data. They allow it since consumers demand it, but they do it on a case by case basis - there are just a few aggregators in the U.S. and their service is used by many other application developers. Banks don't make the access available by design. Open Banking is expected to change that. Hope that makes sense.

FYI, I have worked for both Yodlee and Intuit/Mint.

27 Jul 2022 20:27 Read comment

Raj writes about

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  • financial crime

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