Trump 行政部门正在审查Dodd-Frank关于与Fintechs共享银行数据的规则,这有可能改变消费者的准入和创新。 The Trump administration is reviewing Dodd-Frank rules on bank data sharing with fintechs, potentially reshaping consumer access and innovation.

Trump行政当局正在审查Dodd-Frank法案规则,这些规则要求银行与Venmo和Plaid等金融公司分享消费金融数据,目的是改变如何获取和分享数据。 The Trump administration is reviewing Dodd-Frank Act rules that require banks to share consumer financial data with fintech firms like Venmo and Plaid, aiming to reshape how data is accessed and shared. 虽然拜登行政当局在2024年扩大了准入,以刺激竞争,但批评者却说,规则过于狭窄,允许大银行收取高额费用,限制消费者准入,并鼓励采取有风险的变通办法。 While the Biden administration expanded access in 2024 to boost competition, critics say the rules were too narrow and could allow large banks to charge high fees, limiting consumer access and encouraging risky workarounds. 其结果取决于消费者金融保护局对 " 授权第三方 " 的定义,分析家期望得到一种对消费者友好的解释,这种解释可以减少银行的控制,加强金融创新。 The outcome depends on the Consumer Financial Protection Bureau’s definition of “authorized third parties,” with analysts expecting a consumer-friendly interpretation that could reduce banks’ control and enhance fintech innovation.