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The Portability and Other Required Transfers Impact Assessment: Assessing Competition, Privacy, Cybersecurity, and Other Considerations

https://doi.org/10.2139/ssrn.3689171
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Mining Open Government Data Used in Scientific Research
The 299 references without a DOI — listed, not checked
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no DOI — not checkedNumber Portability, EUR. COMMISSION (last updated
no DOI — not checkedInformation Blocking, and the ONC Health IT Certification Program
no DOI — not checkedElectronic Cross-Border Health Services
no DOI — not checked) No 1093/2020, and Repealing Directive
no DOI — not checkedFor discussion, see
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no DOI — not checkedpeId=SB&DocNum=2330&GAID=15&LegID=122685&SpecSess=&Session=; Maryland Online Consumer Protection Act, S.B. 957 � 14-4203(C)(2)(II)
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no DOI — not checkedAugmenting Compatibility and Competition by Enabling Service Switching Act
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no DOI — not checkedBridging the gaps: a path forward to federal privacy legislation
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no DOI — not checkedCompetition and Innovation in Digital Markets: A Survey
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no DOI — not checkedActing Director-General for Competition
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no DOI — not checkedProcessing of Personal Data and On the Free Movement of Such Data (General Data Protection Regulation), art
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no DOI — not checkedHealth Insurance Portability and Accountability Act of
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no DOI — not checkedThe Open Data Institute set up the Open Banking Working Group in September 2015 at the request of the UK Government
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no DOI — not checkedComm'n (Tetra Pak II) 1993 E.C.R. II-755, para. 114; Case T-111/96 ITT Promedia v
no DOI — not checkedAn essential facility can be a product such as a raw material or a service, including provision of access to a place such as a harbour or airport or to a distribution system such as a 227 Directive 2007/64 of the European Parliament and of the Council of 13 November 2007 on Payment Services in the Internal Market
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no DOI — not checkedPush, Pull, and Spill: A Transdisciplinary Case Study in Municipal Open Government, 30 BERKELEY TECH
no DOI — not checkedOpen government data powers software applications that help consumers make informed decisions, DATA.GOV, www.data.gov/consumer/consumer-apps-page (last visited
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no DOI — not checkedThe Financial Data Exchange, representing almost 100 financial institutions, aggregators, and companies that use financial information, also has among its core principles that consumers "should have access to their data" and "be able to permission their financial data for services or applications" of their choice. The Global Industry Standard for Consumer Access to Financial Data
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no DOI — not checkedAs a drafter of the provision that became �1033, I can state that the scope of the provision was intended to be broadproviding a framework for customer access that would encourage competition and innovation, including through the use of third-party providers and aggregators. The Treasury Department has taken a similar view
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no DOI — not checkedSwire submitted expert declarations on behalf of Authenticom); see also Dealer Mgmt
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no DOI — not checkedA] service provider is any party that is permitted access to a financial institution's customer information through the provision of services directly to the institution
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no DOI — not checkedWhy digital medicine depends on interoperability, 2 NPJ DIG
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no DOI — not checkedOBIE") has been adopted by most banks
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no DOI — not checked]; see also Prepared remarks of FinCEN Director Kenneth A
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no DOI — not checkedThe database at issue under those regulations revealed where dangerous chemicals were stored or used, potentially enabling "terrorist or other criminals to conduct attacks that would cause the largest number of deaths
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no DOI — not checkedFor instance, the first party is the data subject, the second party is the controller, the third party is the processor, and the fourth party is a sub-contractor of the processor
no DOI — not checkedIn 2020, the Court of Justice of the European Union invalidated the EU/US Privacy Shield, with significant consequences for cross-border data flows
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no DOI — not checked) (the author submitted expert declarations on behalf of Authenticom); see also Dealer Mgmt
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no DOI — not checkedThe author submitted expert declarations on behalf of Authenticom); see also Dealer Mgmt
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no DOI — not checkedAct Wall Street Reform and Consumer Protection Act
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no DOI — not checkedheironimus-statement_symposium-consumer-access-financial-records.pdf ("Unfortunately, two years later, consumers continue to lack a sufficient understanding of aggregator and fintech data sharing practices and are not offered a meaningful opportunity to consent or object to the privacy and data sharing practices of these services
no DOI — not checkedThe Financial Data Exchange, representing almost 100 financial institutions, aggregators, and companies that use financial information, also has among its core principles that consumers "should have access to their data" and "be able to permission their financial data for services or applications" of their choice. The Global Industry Standard for Consumer Access to Financial Data
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no DOI — not checked[S]ome stakeholders-mostly aggregators and account data users-note that when consumers can authorize third parties to access data safely and securely in digital formats, market competition for consumer services and innovation increase, and consumers further benefit
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no DOI — not checkedTrapped at the Bank: Removing Obstacles to Consumer Choice in Banking
no DOI — not checked354 Reduced information barriers enable customers to more easily move from one financial services provider to another and access custom financial products and services. It also eases the path for new market entrants that seek to provide innovative financial services products
no DOI — not checkedcompetition is even fierce amongst fintech applications, with roughly one in three adults using a fintech product
no DOI — not checkedAs a drafter of the provision that became �1033, I can state that the scope of the provision was intended to be broad -providing a framework for customer access that would encourage competition and innovation, including through the use of thirdparty providers and aggregators. The Treasury Department has taken a similar view
no DOI — not checkedtheuse-of-cash-flow-data-in-underwriting-credit-small-business-spotlight (providing a market snapshot of the growing use of electronic cash-flow data by a range of new entrants and incumbents in small business lending markets
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no DOI — not checkedConsumer Autonomy and Pathways to Portability in Banking and Financial Services
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no DOI — not checkedChase Moves to Block Fintechs From Screen Scraping, AM
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no DOI — not checkedexplaining that Yodlee, an FSP that provides personal financial management tools by aggregating and processing consumer data from a number of different accounts, sells scrubbed and anonymized transactional data
no DOI — not checkedMeet the Start-up You've Never Heard of That Powers Venmo, Robinhood and Other Big Consumer Apps
no DOI — not checkedconsumer-access-financial-records.pdf (documenting PNC bank complaining that data aggregators lack transparency, rely on insecure practices like screen scraping, and face substantial privacy and security risks given lack of comprehensive regulatory regime
no DOI — not checkedseen a high amount of fraud, including automated clearing house (ACH) fraud, credit card fraud, and wire fraud, enabled through the use of synthetic 378 Thanks to Deona Kalala and Sara Guercio for research assistance on this case study. 379 21st Century Cures Act
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no DOI — not checked) No 1093/2010, and repealing Directive 2007/64/EC, annex
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no DOI — not checkedPatients may be unaware that once they authorize a covered entity to push their health information to a third-party app and such an entity is a HIPAA non-covered entity, the rights afforded under HIPAA no longer apply
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no DOI — not checkedThe FTC's comments to the proposed rule called for clarification of "when market pricing is not deemed information blocking" and for leniency when applying exceptions to market pricing information
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no DOI — not checkedForum: Is Open Data the Death of FOIA?, 126 YALE L
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no DOI — not checkedsupra note 145; Frederick Borgesius, Open Data, Privacy, and Fair Information Principles: Towards a Balancing Framework, 30 BERKELEY TECH
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no DOI — not checkedMemorandum for the Heads of Executive Departments and Agencies, 74 Fed
no DOI — not checkedPublic Law No: 115-435
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no DOI — not checkedStarbucks' use of government demographic data to develop Atlas, a business intelligence system; and Best Buy's use of open government data to develop its market segmentation strategy)
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no DOI — not checkedOur evidence . . . show[s] that greater transparency about procurement awards [in the EU] has procompetitive effects at the award stage but impedes contract performance thereafter because information about execution quality is not included in the open data
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no DOI — not checkedOpen Government Data as an Innovation Process: Lessons from a Living Lab Experiment, 43 PUB. PERFORMANCE & MGMT. REV
no DOI — not checkedOpen Data Roundtables: Roundtable on Open Data for Economic Growth
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no DOI — not checkedThe Telecommunications Act of 1996, 49 FED
no DOI — not checkedTelecom Public Policy Schizophrenia: Schumpeterian Destruction Versus Managed Competition, 9 VA
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no DOI — not checkedWe anticipate that a minimal amount of identifying information will be transmitted from the wireless carrier to the LEC when a customer seeks to port. For example, carriers may choose to verify the zip code of the porting-out wireline customer in their validation procedures
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no DOI — not checkedSee PSD1, supra note 227, pmbl. � 1. The European Commission explained the need for PSD1 and PSD2 on a dedicated payments homepage
no DOI — not checkedSince then, the retail payments market has experienced significant technical innovation, with rapid growth in the number of electronic and mobile payments and the emergence of new types of
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no DOI — not checkedSee Open Banking: Setting a Standard and Enabling Innovation, OPEN DATA INST
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no DOI — not checkedAntitrust: Commission Welcomes Court Judgment Confirming that MasterCard's Payment Card Interchange Fees Are Anti-Competitive
no DOI — not checkedAntitrust: Commission Fines Mastercard �570 Million for Obstructing Merchants' Access to Cross-Border Card Payment Services
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no DOI — not checked86cea8523dc2; see also Nick Megaw, Be Careful What You Wish for: The battle Over EU's Wide-Ranging Open Banking Legislation, PSD2 is Far From Over, FIN
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no DOI — not checkedThe API Economy and Digital Transformation in Financial Services: The Case of Open Banking
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no DOI — not checkedSee European Commission Press Release Antitrust: Commission Closes Investigation of EPC but Continues Monitoring Online Payments Market
no DOI — not checkedthe European Economic and Social Committee and the Committee of the Regions: Strengthening the Rule of Law within the Union -A Blueprint for Action
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no DOI — not checkedCommunication from the Commission to the European Parliament, the Council, the European Economic and Social Committee and the Committee of the Regions: eHealth Action Plan 2012-2020 -Innovative Healthcare for the 21st Century
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no DOI — not checkedArticle 9 of the Belgian Data Protection Law of 30 July 2018, controllers processing personal data concerning health must implement additional measures not prescribed by the GDPR, including keeping a register of the categories of individuals who have access to health data together with a description of their capacity with respect to the data
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no DOI — not checked(illustrating some variations in standards by setting out content and exchange standards for National/Regional eHealth Projects with
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no DOI — not checked3) the European Commission's 2010 communication on interoperability for public services, which introduces the European Interoperability Framework (EIF). The EIF promotes and supports the delivery of European public services by fostering cross-border and cross-sector interoperability
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no DOI — not checkedThe European Economic and Social Committee and The Committee of The Regions
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no DOI — not checkedFor additional sources documenting related initiatives, see Information Newsroom
no DOI — not checkeddealer-data-law. The author has submitted an expert declaration on behalf of the Arizona Automobile Dealers Association in CDK Global
no DOI — not checkedThe author has submitted expert declarations on behalf of Authenticom in Authenticom
no DOI — not checkedAfter that hearing, the district court enjoined CDK and Reynolds from continuing their activities that limited portability
no DOI — not checkedThis case study makes no assertions about the validity of facts in the ongoing litigation; instead, this case study relies on publicly-available documents, and presents facts in the form
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no DOI — not checkedThe states of Montana, North Carolina, and Oregon have enacted substantively similar statutes. See H.B. 617, 66th Leg
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no DOI — not checkedIt is deeply disruptive and expensive for a dealer to switch DMS providers, as switching takes up to a year of preparation and training
no DOI — not checkedsupra note 588 (noting mid-sized dealers pay approximately $60,000/year for DMS services)
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