,i  #aaf? ,,congress  #a/ ,session  ,h4 
,r4 #djdg  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,july #be1 #bjai,mr4  
,meeks introduc$ ! foll[+ bill2 :i* 0   
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,a ,,bill  ,to require c]ta9  
,f$]al f9ancial regulators to c>ry out  
an indep5d5t /udy ( _! regulat$         
entities' processes = all[+ ?ird p>ties 
to access consum]-au?oriz$ f9ancial     
data4  #a4 ,%ort title ,?is ,act may be 
cit$ z ! ,op5 ,bank+ ,/udy ,act ( #bjai4
  #b4 ,consum]-au?oriz$ f9ancial data   
/udy  7a7 ,/udy ,! ,bo>d ( ,gov]nors ( !
 ,f$]al ,res]ve ,sy/em1 ! ,bureau (     
,consum] ,f9ancial ,protection1 !       
,comptroll] ( ! ,curr5cy1 ! ,f$]al      
,deposit ,insurance ,corporation1 & !   
,national ,cr$it ,union ,adm9i/ration   
%all1 jo9tly1 c>ry out a /udy ( _!      
regulat$ entities' processes = all[+    
?ird p>ties to access consum]-au?oriz$  
f9ancial data4  7b7 ,report ,n lat] ?an 
! end ( ! #a-ye> p]iod beg9n+ on ! date 
( enactm5t ( ?is ,act1 ! ,f$]al ag5cies 

requir$ to c>ry out a /udy "u subsection
 7a7 %all submit a report to !          
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives & ! ,committee  
on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! 
,s5ate conta9+--  7#a7 a description (  
all f9d+s & det]m9ations made 9 c>ry+   
out ! /udy requir$ "u subsection 7a72 & 
7#b7 adm9i/rative & legislative         
recomm5dations t w\ld enc\rage          
consum]-au?oriz$ f9ancial data %>+ &    
aggregation consi/5t ) ! ag5cies' safety
 & s\ndness1 consum] protection1 &      
cyb]security /&>ds1 & all applicable    
laws & regulations4