Banks vs. aggregators: Who’ll budge in the data-sharing battle?

By Mary Wisniewski | November 28, 2017 | American Banker The squabble between banks and aggregators like Credit Karma or Kabbage over sharing financial data has been one of the most contentious and esoteric issues in digital banking. A set of principles published by the Consumer Financial Protection Bureau in mid-October affirmed consumers’ ownership rights over their financial data and said that banks and

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Blocked: Why Some Companies Restrict Data Access to Reduce Competition and How Open APIs Can Help

By: Daniel Castro and Michael Steinberg | November 6, 2017 | Center for Data Innovation Over the past few years, some scholars, advocates, and policymakers have argued that businesses which possess large quantities of data, such as social media companies, present inherent competition concerns.1 These concerns are misplaced for a number of reasons, one being

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A CFPB policy everybody seems to like (really)

By Penny Crosman | October 20, 2017 | American Banker The Consumer Financial Protection Bureau’s entrance into the battle between banks and fintechs over customer information appears to have done something remarkable by largely pleasing both sides. Banks have welcomed the statement of principles because they are non-binding, while fintechs are encouraged by the CFPB’s

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