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Data security and, specifically, the safeguarding of personal financial information, are primary concerns for consumers and their banks. Banks have consistently been rated highly in surveys of consumer confidence regarding security of customer information, while continuing to develop innovative methods of fighting identity fraud. CBA supports national uniformity for information security rules, rather than allowing a patch-work of state and local laws and regulations. CBA advocates clear, uniform and flexible rules that will facilitate compliance and provide latitude for fraud experts at financial institutions to continue to create dynamic solutions to address the challenges of information security.
- October 18, 2017On Wednesday, October 18, 2017, the CFPB outlined principles for protecting consumers when they authorize third-party companies to access their financial data to provide certain financial products and services. These principles are intended to help foster the development of innovative financial products and services, increase competition in financial markets, and empower consumers to take greater...October 11, 2017October 11, 2017 The Honorable Jeb Hensarling The Honorable Maxine Waters Chairman Ranking Member House Financial Services Committee House Financial Services Committee 2129 Rayburn House Office Building 2129 Rayburn House Office Building Washington, D.C. 20515 Washington, D.C. 20515 Dear Chairman Hensarling and Ranking Member Waters: The Consumer Bankers Association (CBA) appreciates the...September 25, 2017September 13, 2017 VIA Electronic Submission Ms. Marlene H. Dortch, Secretary Federal Communications Commission 44 12 th Street SW Washington, D.C., 20554 Re: Reply Comments on Notice of Inquiry Regarding Call Authentication Trust Anchor, WC Docket No. 17-97. Dear Ms. Dortch, The Consumer Bankers Association (“CBA”)  appreciates the opportunity to respond to the Federal Communication...September 25, 2017September 22, 2017 VIA Electronic Submission Ms. Marlene H. Dortch, Secretary Federal Communications Commission 44 12 th Street SW Washington, D.C., 20554 Re: Reply Comments on Second Notice of Inquiry Regarding Advanced Methods to Target and Eliminate Unlawful Robocalls, CG Docket No. 17-59. Dear Ms. Dortch, The Consumer Bankers Association (“CBA”)  appreciates the opportunity to respond to...September 8, 2017The acquisition phase of the customer life cycle is often filled with many unique challenges for financial marketers. These challenges include identifying profitable prospects, understanding the best product/service to offer, and communicating through the right channels at the right moment in time. Data modeling is a powerful tool that can help bank marketers conduct more effective customer...July 28, 2017A m erican Bankers Association Consumer Bankers Association Consumer Mortgage Coalition Ho using Policy Council of The Financial Services Roundtable Mortgage Bankers Association July 28, 2017 Richard Cordray, Director Consumer Financial Protection Bureau 1275 First St, NE Washington, DC 20002 RE: Request for Delayed Implementation of the Home Mortgage Disclosure (Regulation C) October 2015 Final...July 12, 2017July 13, 2017 The Honorable Blaine Luetkemeyer Chairman Committee on Financial Services Subcommittee on Financial Institutions and Consumer Credit U.S. House of Representatives 2230 Rayburn House Office Building Washington, D.C. 20515 The Honorable Lacy Clay Ranking Member Committee on Financial Services Subcommittee on Financial Institutions and Consumer Credit U.S. House of Representatives 2428...May 19, 2017May 19, 2017 Ms. Monica Jackson Office of the Executive Secretary Bureau of Consumer Financial Protection 1700 G Street, NW Washington, DC 20552 Via electronic submission Re: Response of the Consumer Bankers Association to the Request for Information Regarding Use of Alternative Data and Modeling Techniques in the Credit Process (Docket No. CFPB-2017-0005) Dear Ms. Jackson, The Consumer Bankers...March 10, 2017March 10, 2017 The Honorable Scott Tipton The Honorable Randy Hultgren U.S. House of Representatives U.S. House of Representatives 218 Cannon House Office Building 2455 Rayburn House Office Building Washington, DC 20515 Washington, DC 20515 The Honorable Patrick McHenry The Honorable David Scott U.S. House of Representatives U.S. House of Representatives 2334 Rayburn House Office Building 225...February 21, 2017February 21, 2017 Submitted Electronically: FederalRegisterComments@cfpb.gov Ms. Monica Jackson Office of the Executive Secretary Consumer Financial Protection Bureau 1700 G Street, NW Washington, DC 20552 Re: Docket No.: CFPB-2016-0048 / Document No.: 2016-28086 - Request for Information Regarding Consumer Access to Financial Records Dear Ms. Jackson, The Consumer Bankers Association (“CBA”) [1...