With the Trump administration embarking on its own rulemaking on personal financial data rights, a district court judge on Wednesday sided with banks by halting compliance dates and enforcement of the Biden-era rule.The 1033 rule, known for its section of the Dodd-Frank Act, was first initiated in 2016 and was finalized in October under former CFPB Director Rohit Chopra with bipartisan support in Congress. But the CFPB was immediately sued by the Bank Policy Institute, Kentucky Bankers Association and Forch ...

Broten said there is an expectation that the government will provide an update on the second part of the open banking legislation this Autumn alongside the Fall Economic Statement. “We hope it releases a comprehensive implementation plan (including draft regulations) allowing a meaningful rollout of open banking to unlock its full potential including common rules, clarity on scope, technical standards, non-functional specifications upfront and how small businesses will be included within the original purvie ...

Visa关闭美国开放银行业务 - Visa关闭其在美国的开放银行业务 该决定于8月22日被报道[1] - 公司将专注于欧洲和拉丁美洲等高潜力市场的开放银行战略[2] - 业务关闭时点正值监管不确定性时期 至少两家银行表示可能对数据访问收费[2] 监管环境与规则变化 - 消费者金融保护局(CFPB)于8月21日就开放银行规则1033的实施征求评论 重点关注费用、数据安全和数据隐私问题[4] - 最终规则于10月22日拜登政府期间宣布 但当天就因安全隐私问题遭遇法律挑战[4] - 特朗普政府时期CFPB领导层变更后 机构于7月29日告知法官将启动"加速规则制定程序"修订开放银行规则[5] - CFPB可能考虑不同的收费模式 而先前规则禁止收费[5] 银行数据收费趋势 - 摩根大通7月告知金融科技公司将开始对客户银行数据访问收费[3] - 据彭博社报道 这些费用可能达数亿美元(hundreds of millions of dollars) 威胁金融科技行业商业模式[3] - 但匿名消息来源称摩根大通的收费计划并非Visa决策的影响因素[3] 消费者行为与市场接受度 - PYMNTS情报报告显示 46%消费者表示"高度愿意"使用开放银行支付 但仅11%实际使用过[6]