Jane Ginn

2 months ago | datos-insights.com | Jane Ginn |Mitch Wein |Deb Zawisza |Robin LoGiudice

The financial services industry faces significant uncertainty following the announcement on February 3, 2025, of an immediate stop work order affecting all Consumer Financial Protection Bureau (CFPB) regulatory and enforcement activities. This development has particular implications for the implementation of Section 1033’s final rule on consumer data access rights, which was scheduled to begin taking effect for large institutions in April 2026.

Dec 9, 2024 | datos-insights.com | Jane Ginn |Douglas M. DePeppe |Deb Zawisza

The Consumer Financial Protection Bureau (CFPB), an independent agency of the Federal Reserve Board, claimed it was seeking to “jumpstart competition” with its October 22, 2024, final rule on consumer data access in accordance with a Dodd-Frank consumer data access provision. The Bureau’s strong advocacy on consumer rights and identity ownership convey its philosophical convictions and gives us some insight into the design patterns of the rule.

Oct 30, 2024 | datos-insights.com | Jack Krantz |Jane Ginn

As artificial intelligence transforms the insurance industry, cybersecurity risks are evolving at an unprecedented pace. The New York Department of Financial Services (NY DFS) has responded with groundbreaking guidance on AI-related cybersecurity risks, setting new expectations that will likely influence regulators nationwide.

Oct 29, 2024 | datos-insights.com | Alijah Poindexter |Julie Conroy |Jane Ginn

On October 9, 2024, Datos Insights held its annual Commercial and Small Business Banking Forum in New York City, bringing together leaders and innovators from across the banking and payments industry to explore what’s truly changing financial services.

Oct 28, 2024 | datos-insights.com | Susumu Suzuki |Jane Ginn |Steven Kaye |Julie Conroy

米国の証券決済は2024年5月から翌日決済（T+1決済）に移行しましたが、それを受けて欧州でもT +1の導入機運が高まっています。10月15日の欧州証券市場監督局（ESMA）の発表でも英国やスイスとタイミングを合わせ2027年度実施に向けた検討が進んでいるようです。 ■ 米国でのT +1移行はスムーズに完了 米国の証券決済は2024年5月28日から翌日決済（T+1決済）に移行した。実施直前まで様々な懸念が示されていたが、想定以上にスムーズな移行ができ、資本市場参加者が清算機関（NSCC）に預ける預託金も20-25%程度削減できた模様だ。ただ、各社は決済が早まっても正確を期すために体制強化などを行ってきたことから、今後はこれらの自動化などコスト削減策が必要となる。 ■ 欧州でもT +1導入の機運高まる EUでは、2023年に「European T+1 Industry Task Force」を設け、T+1導入の検討を進めてきたが、米国の移行を受け導入機運が高まっている。10月15日には、欧州証券市場監督局（ESMA）、欧州委員会（European...