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font-size:12px; padding:5px 10px; margin-right:10px; } } h2.gform_submission_error { font-weight: normal!important; font-size: 1em!important; line-height: initial!important; text-transform: initial!important; padding: initial!important; margin: initial!important; } .sidebar .facet-wrap .facet-label { display: none; } .sidebar .facetwp-toggle { color: #fff; } .wp-block-image figcaption { text-align: center; font-size: 0.8em; } .single-post .content-basic p { margin-bottom:16px; margin-top:0; padding: 0; } .single-post .basic-content .wp-block-image { padding-top:unset; margin:0; } .facetwp-load-more, .main-btn, #gform_submit_button_2, #gform_submit_button_1 { display: inline-block; font-size: 16px; font-weight: 700; letter-spacing: 1px; color: #01b8fc !important; background-color: transparent !important; text-transform: uppercase; padding: 18px 21px; border: 2px solid #01b8fc; -webkit-transition: 0.3s; -o-transition: 0.3s; transition: 0.3s; cursor: pointer; -webkit-appearance: none; -moz-appearance: none; appearance: none; text-decoration: none !important; } /* Header fixes */ .header .sub-menu { z-index:10; } /* Old content repsonsive fix */ .content-sidebar .content-left .aligncenter { width:100% !important; } .wp-block-image .aligncenter { text-align:center; } /* Training button hover and tag display fix */ .content-event a.has-cyan-background-color:hover { background-color:#004a8b; color:#fff; } .single-uddf-event .event-categories a { color:#fff; opacity:.75; } /* Form fixes */ .subscribe-form #gform_submit_button_1 { display: -webkit-box; display: -ms-flexbox; display: flex; -webkit-box-align: center; -ms-flex-align: center; align-items: center; -webkit-box-pack: center; -ms-flex-pack: center; justify-content: center; font-weight: 700; padding: 0 43px; letter-spacing: 1px; border: 4px solid #fff; cursor: pointer; -webkit-transition: 0.3s; -o-transition: 0.3s; transition: 0.3s; margin: 0 !important; -webkit-appearance: none; -moz-appearance: none; appearance: none; text-transform: uppercase; padding: 0 55px 0 43px !important; color:#fff !important; } .subscribe-form #gform_submit_button_1:hover { background-color: #fff !important; color: #01b8fc !important; } /* Home page promo block updates */ .home .featured-content .container-fluid { max-width:unset; } .featured-content .container-fluid .featured-content__item h1 { line-height:1; } .home .featured-content .container-fluid .featured-content__item p { max-width:500px; font-size: 20px; font-weight: 500; } .home .featured-content .container-fluid .featured-content__item p, .latest-blogs__text p { line-height:1.4; } @media (max-width: 992px) { .home .featured-content .featured-content__wrap::before { background-color: rgba(255,255,255,.9); } } @media (max-width: 960px) { .featured-content .container-fluid .featured-content__item h1 { font-size:50px; } } @media (max-width: 420px) { .featured-content .container-fluid .featured-content__item h1 { font-size:35px; } .home .featured-content 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a.press-release.item:hover .read-more { color: black; text-decoration: none; } .press-releases-most-recent a.press-release.item .read-more { display: block; text-transform: uppercase; text-decoration: underline; margin-top: 12px; } .content-basic a.main-btn { border-bottom: 2px solid #01b8fc; } @media (max-width: 900px) { .press-releases-most-recent { flex-direction: column; } } .wp-container-core-group-layout-1.wp-container-core-group-layout-1 > .fpf-attribution.contact-sidebar { margin-left: 20px !important; } /* Updated the Twitter social media icon in the footer */ .x-twitter { padding-top: 3px; } .x-twitter a svg { height: 19px; } /* Adjusted max width for author inserts on blog posts */ .fpf-authors { max-width: 40%; } @media (max-width: 600px) { .fpf-authors { max-width: 100%; } } ol.wp-block-footnotes { font-size: var(--wp--preset--font-size--small) !important; line-height: 1.5; list-style: numeral; } /* Override to force the slideshow arrows to always show */ .fpf-featured-posts-block .splide__arrows { opacity: 1; } .social-icons .twitter::before { content: "" !important; } /****************************** * Training Program landing page * styles added by Aaron Bolton on * behalf of Incite Creative, Inc. * * aaron@incitecreativeinc.com * * Dated edited: 05/06/2014 * ****************************/ .training-h2, .training-h2 *{ font-size: 47px; } .training-blue-bg{ background-color: #01b8fc; } .training-light-gray-bg{ background-color: #f0f0f0; } .training-ul{ list-style: none !important; } .training-ul li{ background-image: url('https://fpf.org/wp-content/uploads/2024/05/blue-chevron.png'); background-size: 11px; background-repeat: no-repeat; background-position: left 5px; padding-left: 20px; } .training-testimonials .uagb-tm__desc{ background-image: url('https://fpf.org/wp-content/uploads/2024/05/green-quote-left.png'); background-size: 32px; background-repeat: no-repeat; background-position: top center; padding-top: 40px; } .training-testimonials.quote-left .uagb-tm__desc{ background-position: top left; } .max-width-1600{ max-width: 1600px; } /****************************** * End Training Program styles. * ****************************/ .scrollable-in-mobile { width: 100%; overflow-x: auto; } body.parent-pageid-239391 .page-content, body.parent-pageid-241801 .page-content{ max-width: 100%; padding: 0; } body.parent-pageid-239391 .title-page, body.parent-pageid-241801 .title-page, body.page-id-240364 .title-page, body.page-id-239391 .title-page { display: none; } @media (max-width: 800px) { .page-id-239391 .spectra-image-gallery__media.spectra-image-gallery__media--carousel img { height: 100px; width: auto; margin: 0 auto; } } /* * The eventbrite registration button colors was being overridden by UAGB block CSS. */ .eventbrite-content button { background-color: #004a8b!important; color: #ffffff!important; border: 1px solid #004a8b!important; } .eventbrite-content button:hover { background-color: 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6.59686V7.84293H14.1099V14H9.71204V9.67539H6.19372V14H1.79581V7.84293Z' fill='currentColor' /> </svg> </a> > Open Banking</div> </div> </div><div class="basic-content"> <div class="container"> <div class="content-basic content-sidebar"> <div class="content-left blog-content-left"> <div class="sidebar__btn"><a href="">FILTER <i class="fas fa-bars"></i><i class="fas fa-times"></i></a></div> <p>The field of open banking refers to a data ecosystem in which data providers, such as banks and credit unions, send personal financial data to companies (e.g., fintechs) at a customer’s direction, in order to provide new products and services to the customer. Examples of these products and services include peer-to-peer payments, wealth management, and tax filing.</p> <p>Open banking frameworks differ from country to country, but the interplay between open banking and data protection law raises important issues that all jurisdictions must address. Open banking can be a catalyst for greater competition by enabling new products and services that depend on the sharing of personal data. That sharing of personal data is integral to realizing these benefits presents privacy and security risks, including the risk of data breaches and unauthorized transactions. FPF works with a community of experts to identify the privacy and data protection risks in this space, educate policymakers about the challenges facing the open banking ecosystem, and develop best practices and policy recommendations.</p> <div class="fpf-featured-posts"> <h2>Featured</h2> <div class='posts-featured'><div class="featured-post authored-post"> <a href="https://fpf.org/blog/fpf-report-developments-in-open-banking-key-issues-from-a-global-perspective/" class="authored-post__img"> <img width="231" height="300" src="https://fpf.org/wp-content/uploads/2022/08/Screen-Shot-2022-08-15-at-3.18.29-PM-231x300.png" class="attachment-medium size-medium wp-post-image" alt="screen shot 2022 08 15 at 3.18.29 pm" decoding="async" fetchpriority="high" srcset="https://fpf.org/wp-content/uploads/2022/08/Screen-Shot-2022-08-15-at-3.18.29-PM-231x300.png 231w, https://fpf.org/wp-content/uploads/2022/08/Screen-Shot-2022-08-15-at-3.18.29-PM-790x1024.png 790w, https://fpf.org/wp-content/uploads/2022/08/Screen-Shot-2022-08-15-at-3.18.29-PM-768x996.png 768w, https://fpf.org/wp-content/uploads/2022/08/Screen-Shot-2022-08-15-at-3.18.29-PM.png 938w" sizes="(max-width: 231px) 100vw, 231px" /> </a> <div class="authored-post__title"> <a href="https://fpf.org/blog/fpf-report-developments-in-open-banking-key-issues-from-a-global-perspective/">FPF Report: Developments in Open Banking, Key Issues from a Global Perspective</a> </div> <a href="https://fpf.org/blog/fpf-report-developments-in-open-banking-key-issues-from-a-global-perspective/" class="authored-post__more">Read More</a> </div><div class="featured-post authored-post"> <a href="https://fpf.org/blog/fpf-releases-infographic-to-explore-implications-of-open-banking-data-flows-and-security-for-individuals/" class="authored-post__img"> <img width="300" height="158" src="https://fpf.org/wp-content/uploads/2023/03/Open-Banking-1-300x158.png" class="attachment-medium size-medium wp-post-image" alt="open banking" decoding="async" srcset="https://fpf.org/wp-content/uploads/2023/03/Open-Banking-1-300x158.png 300w, https://fpf.org/wp-content/uploads/2023/03/Open-Banking-1-1024x538.png 1024w, https://fpf.org/wp-content/uploads/2023/03/Open-Banking-1-768x403.png 768w, https://fpf.org/wp-content/uploads/2023/03/Open-Banking-1.png 1200w" sizes="(max-width: 300px) 100vw, 300px" /> </a> <div class="authored-post__title"> <a href="https://fpf.org/blog/fpf-releases-infographic-to-explore-implications-of-open-banking-data-flows-and-security-for-individuals/">FPF Releases Infographic to Explore Implications of Open Banking Data Flows and Security for Individuals</a> </div> <a href="https://fpf.org/blog/fpf-releases-infographic-to-explore-implications-of-open-banking-data-flows-and-security-for-individuals/" class="authored-post__more">Read More</a> </div></div> </div> <div class='posts-list facetwp-template'>  <div class="spotlight__colum--post"> <div class="spotlight__img"> <a href="https://fpf.org/blog/fpf-files-comments-with-the-consumer-financial-protection-bureau-regarding-personal-financial-data-rights/"> <img width="2560" height="1439" src="https://fpf.org/wp-content/uploads/2024/01/shutterstock_2343917297-scaled.jpg" class="attachment-post-thumbnail size-post-thumbnail wp-post-image" alt="auguste,7th,2023,,the,logo,of,the,consumer,financial,protection" decoding="async" srcset="https://fpf.org/wp-content/uploads/2024/01/shutterstock_2343917297-scaled.jpg 2560w, https://fpf.org/wp-content/uploads/2024/01/shutterstock_2343917297-300x169.jpg 300w, https://fpf.org/wp-content/uploads/2024/01/shutterstock_2343917297-1024x576.jpg 1024w, https://fpf.org/wp-content/uploads/2024/01/shutterstock_2343917297-768x432.jpg 768w, https://fpf.org/wp-content/uploads/2024/01/shutterstock_2343917297-1536x864.jpg 1536w, https://fpf.org/wp-content/uploads/2024/01/shutterstock_2343917297-2048x1151.jpg 2048w" sizes="(max-width: 2560px) 100vw, 2560px" /> </a> </div> <div class="spotlight__body"> <h6 class="title"><a href="https://fpf.org/blog/fpf-files-comments-with-the-consumer-financial-protection-bureau-regarding-personal-financial-data-rights/">FPF Files Comments with the Consumer Financial Protection Bureau Regarding Personal Financial Data Rights</a></h6> <div class="spotlight__header"> <div class="spotlight__data">Jan 18, 2024</div> <div class="spotlight__authors">By: <a href='https://fpf.org/person/daniel-berrick/'>Daniel Berrick</a>, <a href='https://fpf.org/person/zoe-strickland/'>Zoë Strickland</a></div> <div class="spotlight__tag"> <a href='?_publication_types=filing' rel='tag'>Filings</a><a href='?_issues=open-banking' rel='tag'>Open Banking</a><a href='?_issues=us-legislation' rel='tag'>U.S. Legislation</a> </div> </div> <div class="spotlight__text"> <p>On December 21st, 2023, the Future of Privacy Forum filed comments with the Consumer Financial Protection Bureau (CFPB) in response to the notice of proposed rulemaking (NPRM) regarding personal financial data rights. FPF’s comments focus on promoting privacy as a core tenet in the U.S. open banking ecosystem in order to protect individuals’ personal information […]</p> </div> </div> </div> <div class="spotlight__colum--post"> <div class="spotlight__img"> <a href="https://fpf.org/blog/fpf-releases-infographic-to-explore-implications-of-open-banking-data-flows-and-security-for-individuals/"> <img width="1200" height="630" src="https://fpf.org/wp-content/uploads/2023/03/Open-Banking-1.png" class="attachment-post-thumbnail size-post-thumbnail wp-post-image" alt="open banking" decoding="async" srcset="https://fpf.org/wp-content/uploads/2023/03/Open-Banking-1.png 1200w, https://fpf.org/wp-content/uploads/2023/03/Open-Banking-1-300x158.png 300w, https://fpf.org/wp-content/uploads/2023/03/Open-Banking-1-1024x538.png 1024w, https://fpf.org/wp-content/uploads/2023/03/Open-Banking-1-768x403.png 768w" sizes="(max-width: 1200px) 100vw, 1200px" /> </a> </div> <div class="spotlight__body"> <h6 class="title"><a href="https://fpf.org/blog/fpf-releases-infographic-to-explore-implications-of-open-banking-data-flows-and-security-for-individuals/">FPF Releases Infographic to Explore Implications of Open Banking Data Flows and Security for Individuals</a></h6> <div class="spotlight__header"> <div class="spotlight__data">Mar 22, 2023</div> <div class="spotlight__authors">By: <a href='https://fpf.org/person/daniel-berrick/'>Daniel Berrick</a>, <a href='https://fpf.org/person/zoe-strickland/'>Zoë Strickland</a></div> <div class="spotlight__tag"> <a href='?_publication_types=infographic' rel='tag'>Infographics</a><a href='?_issues=open-banking' rel='tag'>Open Banking</a> </div> </div> <div class="spotlight__text"> <p>Today, the Future of Privacy Forum (FPF), a global non-profit focused on privacy and data protection, is pleased to release an infographic, “Open Banking And The Customer Experience,” visualizing the US open banking ecosystem. FPF’s open banking infographic is supported by over a year of meetings and outreach with leaders in banking, credit management, financial […]</p> </div> </div> </div> <div class="spotlight__colum--post"> <div class="spotlight__img"> <a href="https://fpf.org/blog/fpf-response-to-cfpb-data-portability-proposal/"> <img width="2240" height="1260" src="https://fpf.org/wp-content/uploads/2023/01/CFPB-Comments-Blog.png" class="attachment-post-thumbnail size-post-thumbnail wp-post-image" alt="cfpb comments blog" decoding="async" loading="lazy" srcset="https://fpf.org/wp-content/uploads/2023/01/CFPB-Comments-Blog.png 2240w, https://fpf.org/wp-content/uploads/2023/01/CFPB-Comments-Blog-300x169.png 300w, https://fpf.org/wp-content/uploads/2023/01/CFPB-Comments-Blog-1024x576.png 1024w, https://fpf.org/wp-content/uploads/2023/01/CFPB-Comments-Blog-768x432.png 768w, https://fpf.org/wp-content/uploads/2023/01/CFPB-Comments-Blog-1536x864.png 1536w, https://fpf.org/wp-content/uploads/2023/01/CFPB-Comments-Blog-2048x1152.png 2048w" sizes="(max-width: 2240px) 100vw, 2240px" /> </a> </div> <div class="spotlight__body"> <h6 class="title"><a href="https://fpf.org/blog/fpf-response-to-cfpb-data-portability-proposal/">FPF Response to CFPB Data Portability Proposal</a></h6> <div class="spotlight__header"> <div class="spotlight__data">Jan 26, 2023</div> <div class="spotlight__authors">By: <a href='https://fpf.org/person/daniel-berrick/'>Daniel Berrick</a>, <a href='https://fpf.org/person/zoe-strickland/'>Zoë Strickland</a></div> <div class="spotlight__tag"> <a href='?_publication_types=filing' rel='tag'>Filings</a><a href='?_issues=open-banking' rel='tag'>Open Banking</a> </div> </div> <div class="spotlight__text"> <p>In response to the Consumer Financial Protection Bureau’s (CFPB) request for comment regarding data portability for financial products and services, the Future of Privacy Forum filed comprehensive comments and recommendations, urging the Bureau to craft balanced, informed privacy rules that protect individuals’ personal information while enhancing trust in the privacy and security of emerging data […]</p> </div> </div> </div> <div class="spotlight__colum--post"> <div class="spotlight__img"> <a href="https://fpf.org/blog/fpf-report-developments-in-open-banking-key-issues-from-a-global-perspective/"> <img width="938" height="1216" src="https://fpf.org/wp-content/uploads/2022/08/Screen-Shot-2022-08-15-at-3.18.29-PM.png" class="attachment-post-thumbnail size-post-thumbnail wp-post-image" alt="screen shot 2022 08 15 at 3.18.29 pm" decoding="async" loading="lazy" srcset="https://fpf.org/wp-content/uploads/2022/08/Screen-Shot-2022-08-15-at-3.18.29-PM.png 938w, https://fpf.org/wp-content/uploads/2022/08/Screen-Shot-2022-08-15-at-3.18.29-PM-231x300.png 231w, https://fpf.org/wp-content/uploads/2022/08/Screen-Shot-2022-08-15-at-3.18.29-PM-790x1024.png 790w, https://fpf.org/wp-content/uploads/2022/08/Screen-Shot-2022-08-15-at-3.18.29-PM-768x996.png 768w" sizes="(max-width: 938px) 100vw, 938px" /> </a> </div> <div class="spotlight__body"> <h6 class="title"><a href="https://fpf.org/blog/fpf-report-developments-in-open-banking-key-issues-from-a-global-perspective/">FPF Report: Developments in Open Banking, Key Issues from a Global Perspective</a></h6> <div class="spotlight__header"> <div class="spotlight__data">Aug 16, 2022</div> <div class="spotlight__authors">By: <a href='https://fpf.org/person/hunter-dorwart/'>Hunter Dorwart</a>, <a href='https://fpf.org/person/daniel-berrick/'>Daniel Berrick</a>, <a href='https://fpf.org/person/lee-matheson/'>Lee Matheson</a></div> <div class="spotlight__tag"> <a href='?_publication_types=white-paper' rel='tag'>White Papers</a><a href='?_issues=global' rel='tag'>Global</a><a href='?_issues=open-banking' rel='tag'>Open Banking</a> </div> </div> <div class="spotlight__text"> <p>Authors: Hunter Dorwart, Daniel Berrick, Lee Matheson, and Dale Rappaneau Dale Rappaneau was a former FPF Policy Intern. In FPF’s report, Developments in Open Banking, Key Issues from a Global Perspective, explores how ten different jurisdictions have approached open banking regulation, including questions related to privacy and data protection. The report was developed as part […]</p> </div> </div> </div> <div class="spotlight__colum--post"> <div class="spotlight__img"> <a href="https://fpf.org/blog/the-future-is-open-the-u-s-turns-to-open-banking/"> <img width="872" height="730" src="https://fpf.org/wp-content/uploads/2021/10/Screen-Shot-2021-10-15-at-1.37.07-PM.png" class="attachment-post-thumbnail size-post-thumbnail wp-post-image" alt="screen shot 2021 10 15 at 1.37.07 pm" decoding="async" loading="lazy" srcset="https://fpf.org/wp-content/uploads/2021/10/Screen-Shot-2021-10-15-at-1.37.07-PM.png 872w, https://fpf.org/wp-content/uploads/2021/10/Screen-Shot-2021-10-15-at-1.37.07-PM-300x251.png 300w, https://fpf.org/wp-content/uploads/2021/10/Screen-Shot-2021-10-15-at-1.37.07-PM-768x643.png 768w" sizes="(max-width: 872px) 100vw, 872px" /> </a> </div> <div class="spotlight__body"> <h6 class="title"><a href="https://fpf.org/blog/the-future-is-open-the-u-s-turns-to-open-banking/">The Future is Open: The U.S. Turns to Open Banking</a></h6> <div class="spotlight__header"> <div class="spotlight__data">Oct 15, 2021</div> <div class="spotlight__authors">By: <a href='https://fpf.org/person/jeremy-greenberg/'>Jeremy Greenberg</a></div> <div class="spotlight__tag"> <a href='?_issues=open-banking' rel='tag'>Open Banking</a> </div> </div> <div class="spotlight__text"> <p>FPF is pleased to work with a broad set of stakeholders on concepts around privacy and open banking. For more information on our new Open Banking Working Group and related projects, please contact Jeremy Greenberg: <a href="/cdn-cgi/l/email-protection" class="__cf_email__" data-cfemail="96fcf1e4f3f3f8f4f3e4f1d6f0e6f0b8f9e4f1">[email protected]</a>. Introduction In July 2021, President Biden signed the Executive Order on Promoting Competition in the American Economy. 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