CFPB Financial Data Principles: Whose Data Is It Anyway?

Law360, New York (November 13, 2017, 11:53 AM EST) -- On Oct. 18, 2017, the Consumer Financial Protection Bureau released guidance that is intended to provide the bureau's "vision for realizing a robust, safe, and workable data aggregation market that gives consumers protection, usefulness, and value."[1]

Many companies in the "fintech" space have developed products that provide a user interface that allows customers to access information about accounts at other financial institutions that have no relationship with the fintech provider — and even to initiate transactions with the account at the unrelated financial institution. These products often allow consumers to aggregate information from multiple accounts at different financial institutions in a single...

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