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CFPB to Host Symposium on February 26

WASHINGTON, D.C. – The Consumer Financial Protection Bureau (Bureau) announced today that it will hold a symposium on Consumer Access to Financial Records and Section 1033 of the Dodd-Frank Act on February 26, 2020, at 9:30 a.m. The event will be webcast on the Bureau’s website.

Section 1033 addresses consumers’ rights to access information about their financial accounts.  The Bureau’s data access symposium is intended to elicit a variety of perspectives on the current and future state of the market for services based on consumer-authorized use of financial data.

The event will feature remarks by Bureau Director Kathleen L. Kraninger.  This symposium will consist of three panels of experts.  The first panel will assess the current landscape of holders of consumer data and the benefits and risks of consumer-authorized data access.  The panel will be moderated by Paul Watkins, Assistant Director in the Bureau’s Office of Innovation.  The panel experts are:  

  • Becky Heironimus, Managing Vice President of Customer Platforms, Data Ethics and Privacy, Capital One  
  • John Pitts, Policy Lead, Plaid
  • Natalie Talpas, Senior Vice President, Product Group Manager, Digital, PNC 
  • Christina Tetreault, Senior Policy Counsel, Consumer Reports
  • Nick Thomas, Co-founder and Chief Technology Officer, Finicity

The second panel will include a discussion on market developments in consumer-authorized data access. The panel will be moderated by Will Wade-Gery, Senior Advisor in the Bureau’s Office of Innovation. The panel experts are: 

  • Steven Boms, Executive Director, FDATA N.A.
  • Lila Fakhraie, Senior Vice President, Digital Banking APIs, Wells Fargo Bank
  • Jason Gross, Co-Founder & CEO, Petal
  • Melissa Koide, CEO, FinRegLab
  • James Reuter, CEO & President, First Bank Holding Company

The third panel will focus on the future state of the market, as well as considerations for policymakers on how to ensure consumer data is safeguarded while ensuring that consumers have continual access to their data.  The panel will be moderated by Thomas Devlin, Managing Counsel in the Bureau’s Research, Markets and Regulation Division.  The panel experts are:

  • Jane Barratt, Chief Advocacy Officer, MX
  • Thomas P. Brown, Partner, Antitrust and Competition and Global Banking and Payment Systems Practices, Paul Hastings LLP
  • Brian Knight, Director of Innovation and Governance, Mercatus Center
  • Dan Murphy, Policy Manager, Financial Health Network
  • Natalie Williams, General Counsel, Responsible Banking and Data, JPMorgan Chase
  • Chi Chi Wu, Staff Attorney, National Consumer Law Center

The symposium is the fourth in a series announced last year to explore consumer protections in today’s dynamic financial services marketplace. The series is aimed at stimulating a proactive and transparent dialogue to assist the Bureau in its policy development process, including possible future rulemakings. The first symposium on June 25, 2019, covered the Dodd-Frank Act’s prohibition on abusive acts or practices. The second symposium on September 19, 2019, covered behavioral law and economics. The third symposium on November 6, 2019, covered Section 1071 of the Dodd-Frank Act.

Members of the public who plan to attend the symposium in person should RSVP at this link: https://surveys.consumerfinance.gov/jfe/form/SV_bPAsiX8LE1PVAax.

Additional information about the event is available here: https://www.consumerfinance.gov/about-us/events/cfpb-symposium-consumer-access-financial-records/.


The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive. For more information, visit www.consumerfinance.gov.