# 美國消費者金融保護局（CFPB）重新點燃了關於「開放銀行」規範的討論。

*fintech · news · 2025-08-21 · Devdiscourse*

## Key points

- CFPB 已重新啟動「開放銀行」消費者數據規範的制定程序。
- 這些規範是根據 2010 年多德-弗蘭克法案所要求，但遭遇業界反對。
- CFPB 現正積極徵求公眾意見，以指導這些消費者數據權利的實施方式。
- 拜登政府過去已定案的規則遭銀行業提出法律挑戰。
- 此次重新推動的監管工作特別旨在平衡消費者權益與業界關切。

The U.S. Consumer Financial Protection Bureau (CFPB) has reignited discussions around its 'open banking' regulations, aiming to give consumers more control over their personal data shared between banks and the growing financial technology sector. Facing industry disputes over control measures, the CFPB solicited public input on the best approach to implement these consumer data rules, which are mandated by the 2010 Dodd-Frank financial reform law. The law intends to ensure that consumers can access their financial data, such as account details and transaction history, on request. While these regulations were previously finalized under the Biden administration, they drew legal opposition from the banking industry, which had criticized the previous approach. The latest effort seeks to balance industry concerns with consumer rights.

**Countries:** United States

[Read the full story on Devdiscourse](https://www.devdiscourse.com/article/technology/3549337-cfpb-reinvigorates-open-banking-reform-effort)

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